Citigroup 8K Reports Third Quarter 2010 Net Income of $2.2 Billion; $0.07 Per Share | C 18 Oct 10

Exhibit 99.2



CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT		3Q10

	Page Number
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income	5

Citicorp

Income Statement and Balance Sheet Data	6
Regional Consumer Banking	7 - 8
North America	9 - 11
EMEA	12 - 13
Latin America	14 - 15
Asia	16 - 17

Institutional Clients Group (ICG)	18
Securities and Banking	19
Transaction Services	20

Regional Totals
North America	21
EMEA	22
Latin America	23
Asia	24

Citi Holdings
Income Statement and Balance Sheet Data	25
Brokerage and Asset Management	26
Local Consumer Lending	27 - 30
Special Asset Pool	31

Citigroup Supplemental Detail
Average Balances and Interest Rates	32
Deposits	33
Consumer Loan Delinquency Amounts, Net Credit Losses and Ratios
90+ Days	34
30-89 Days	35
Allowance for Credit Losses
Total Citigroup	36
Consumer and Corporate	37
Components of Provision for Loan Losses
Citicorp	38
Citi Holdings / Total Citigroup	39
Non-Accrual Assets
Total Citigroup	40
Citicorp	41
Citi Holdings	42

Reconciliation of Non-GAAP Financial Measures	43 - 46

CITIGROUP — FINANCIAL SUMMARY

(In millions of dollars, except per share amounts)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Total Managed Revenues (1)	$	26,973		$	33,095		$	23,142		$	7,882		$	25,421		$	22,071		$	20,738		(10	)%	$	83,210		$	68,230		(18	)%
Total Managed Net Credit Losses (1)	$	9,830		$	11,470		$	10,982		$	9,980		$	8,384		$	7,962		$	7,659		(30	)%	$	32,282		$	24,005		(26	)%

Total Revenues, Net of Interest Expense	$	24,521		$	29,969		$	20,390		$	5,405		$	25,421		$	22,071		$	20,738		2	%	$	74,880		$	68,230		(9	)%
Total Operating Expenses	11,685			11,999			11,824			12,314			11,518			11,866			11,520			(3	)%	35,508			34,904			(2	)%
Net Credit Losses	7,282			8,355			7,969			7,135			8,384			7,962			7,659			(4	)%	23,606			24,005			2	%
Credit Reserve Build / (Release)	2,633			3,878			802			706			(18		)	(1,439		)	(1,993		)	NM		7,313			(3,450		)	NM
Provision for Unfunded Lending Commitments	60			135			—			49			(35		)	(71		)	26			—		195			(80		)	NM
Provision for Benefits & Claims	332			308			324			294			287			213			227			(30	)%	964			727			(25	)%
Provision for Credit Losses and for Benefits and Claims	10,307			12,676			9,095			8,184			8,618			6,665			5,919			(35	)%	32,078			21,202			(34	)%
Income (Loss) from Continuing Operations before Income Taxes	2,529			5,294			(529		)	(15,093		)	5,285			3,540			3,299			NM		7,294			12,124			66	%
Income Taxes (benefits)	835			907			(1,122		)	(7,353		)	1,036			812			698			NM		620			2,546			NM
Income (Loss) from Continuing Operations	$	1,694		$	4,387		$	593		$	(7,740	)	$	4,249		$	2,728		$	2,601		NM		$	6,674		$	9,578		44	%
Income (Loss) from Discontinued Operations, net of Taxes	(117		)	(142		)	(418		)	232			211			(3		)	(374		)	11	%	(677		)	(166		)	75	%
Net Income (Loss) before Attribution of Noncontrolling Interests	1,577			4,245			175			(7,508		)	4,460			2,725			2,227			NM		5,997			9,412			57	%
Net Income (Loss) Attributable to Noncontrolling Interests	(16		)	(34		)	74			71			32			28			59			(20	)%	24			119			NM
Citigroup’s Net Income (Loss)	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		$	2,697		$	2,168		NM		$	5,973		$	9,293		56	%

Diluted Earnings Per Share:
Income (Loss) from Continuing Operations (2)	$	(0.16	)	$	0.51		$	(0.23	)	$	(0.34	)	$	0.14		$	0.09		$	0.08		NM		$	(0.10	)	$	0.32		14	%
Citigroup’s Net Income (Loss) (2)	$	(0.18	)	$	0.49		$	(0.27	)	$	(0.33	)	$	0.15		$	0.09		$	0.07		NM		$	(0.19	)	$	0.31		72	%
Shares (in millions):
Average Basic	5,385.0			5,399.5			12,104.3			23,384.4			28,444.3			28,849.4			28,877.5			NM		7,629.6			28,723.7			NM
Average Diluted	5,953.3			5,967.8			12,216.0			24,260.0			29,333.5			29,752.6			29,778.3			NM		8,045.7			29,621.5			NM
Common Shares Outstanding, at period end	5,512.8			5,507.7			22,863.9			28,483.3			28,620.2			28,975.4			29,049.6			27	%

Preferred Dividends - Basic (in millions)	$	1,274		$	1,549		$	288		$	—		$	—		$	—		$	—				$	3,111		$	—
Preferred Dividends - Diluted (in millions)	$	1,004		$	1,279		$	288		$	—		$	—		$	—		$	—				$	2,571		$	—

Income (Loss) Allocated to Unrestricted Common Shareholders - Basic
Income (Loss) from Continuing Operations (2)	$	(849	)	$	2,761		$	(2,824	)	$	(7,998	)	$	4,190		$	2,674		$	2,468		NM		$	(801	)	$	9,329		NM
Citigroup’s Net Income (Loss) (2)	$	(966	)	$	2,625		$	(3,242	)	$	(7,766	)	$	4,400		$	2,671		$	2,148		NM		$	(1,478	)	$	9,215		NM

Income (Loss) Allocated to Unrestricted Common Shareholders - Diluted
Income (Loss) from Continuing Operations (2)	$	(581	)	$	3,032		$	(2,824	)	$	(7,998	)	$	4,191		$	2,675		$	2,469		NM		$	(263	)	$	9,331		NM
Citigroup’s Net Income (Loss) (2)	$	(698	)	$	2,895		$	(3,242	)	$	(7,766	)	$	4,400		$	2,672		$	2,149		NM		$	(940	)	$	9,217		NM

Financial Ratios:
Tier 1 Capital Common Ratio	2.16		%	2.75		%	9.12		%	9.60		%	9.11		%	9.71		%	10.3		%*
Tier 1 Capital Ratio	11.92		%	12.74		%	12.76		%	11.67		%	11.28		%	11.99		%	12.5		%*
Total Capital Ratio	15.61		%	16.62		%	16.58		%	15.25		%	14.88		%	15.59		%	16.1		%*
Leverage Ratio	6.60		%	6.90		%	6.85		%	6.87		%	6.16		%	6.31		%	6.6		%*
Return on Common Equity	(5.6		)%	14.8		%	(12.2		)%	(21.6		)%	12.0		%	7.0		%	5.4		%*

Balance Sheet Data, EOP (in billions, except Book Value per Share):
Total Assets	$	1,822.6		$	1,848.5		$	1,888.6		$	1,856.6		$	2,002.2		$	1,937.7		$	1,983.3	*	5	%
Total Deposits	762.7			804.7			832.6			835.9			827.9			814.0			850.1		*	2	%
Citigroup’s Stockholders’ Equity	143.9			152.3			140.8			152.7			151.4			154.8			162.9		*	16	%
Citigroup Equity and Trust Securities (included in LT Debt)	168.6			176.5			175.4			172.0			173.1			175.0			183.4		*	5	%
Book Value Per Share	$	12.64		$	14.16		$	6.15		$	5.35		$	5.28		$	5.33		$	5.60	*	(9	)%
Tangible Book Value Per Share (3)	$	5.61		$	7.26		$	4.47		$	4.15		$	4.09		$	4.19		$	4.44	*	(1	)%

Direct Staff (in thousands)	309			279			276			265			263			259			258			(7	)%

(1)	As previously disclosed, effective January 1, 2010, Citigroup adopted SFAS No. 166, Accounting for Transfers of Financial Assets, an amendment of FASB Statement No. 140 (SFAS 166) and SFAS No. 167, Amendments to FASB Interpretation No. 46(R) (SFAS 167). As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. For comparison purposes throughout this supplement, revenues, net credit losses, provisions for credit losses and for benefits and claims, and loans (and all related delinquencies and ratios) for periods prior to January 1, 2010 are presented on a managed basis. Managed presentations were applicable only to Citigroup’s North America branded and retail partner card operations in North America Regional Consumer Banking and Citi Holdings Local Consumer Lending. Prior to January 1, 2010, managed-basis presentations were non-GAAP financial measures. Managed presentations included results from both the on-balance sheet loans and off-balance sheet loans, and excluded the impact of card securitization activity. Managed presentations assumed that securitized loans had not been sold and presented the results of the securitized loans in the same manner as Citigroup’s owned loans. See pages 43 - 46 for reconciliations of managed measures to their most comparable GAAP measure.

(2)	The Diluted EPS calculation for the first, third and fourth quarters in 2009 utilize Basic shares and Income available to common shareholders (Basic) due to the negative Income available to common shareholders. Using actual Diluted shares and Income available to common shareholders (Diluted) would result in anti-dilution.

(3)	Tangible Book Value Per Share is a non-GAAP financial measure. See page 46 for a reconciliation of this measure to its most comparable GAAP measure.

*	Preliminary
NM Not meaningful
Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED STATEMENT OF INCOME
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Revenues
Interest revenue	$	20,583		$	19,671		$	18,678		$	17,703		$	20,852		$	20,418		$	19,371		4	%	$	58,932		$	60,641		3	%
Interest expense	7,657			6,842			6,680			6,542			6,291			6,379			6,125			(8	)%	21,179			18,795			(11	)%
Net interest revenue	12,926			12,829			11,998			11,161			14,561			14,039			13,246			10	%	37,753			41,846			11	%

Commissions and fees (1)	3,984			4,084			3,698			3,719			3,645			3,229			3,248			(12	)%	11,766			10,122			(14	)%
Principal transactions (1)	3,913			1,788			1,343			(1,110		)	4,153			2,217			1,528			14	%	7,044			7,898			12	%
Administrative and other fiduciary fees	1,606			1,472			1,085			1,032			1,022			910			976			(10	)%	4,163			2,908			(30	)%
Realized gains (losses) on investments	9			(160		)	(285		)	(474		)	31			69			742			NM		(436		)	842			NM
Insurance premiums	755			745			763			757			748			636			655			(14	)%	2,263			2,039			(10	)%
Other revenue (1) (2)	1,328			9,211			1,788			(9,680		)	1,261			971			343			(81	)%	12,327			2,575			(79	)%
Total non-interest revenues	11,595			17,140			8,392			(5,756		)	10,860			8,032			7,492			(11	)%	37,127			26,384			(29	)%
Total revenues, net of interest expense	24,521			29,969			20,390			5,405			25,421			22,071			20,738			2	%	74,880			68,230			(9	)%

Provisions for Credit Losses and for Benefits and Claims
Net credit losses (NCLs)	7,282			8,355			7,969			7,135			8,384			7,962			7,659			(4	)%	23,606			24,005			2	%
Net build / (Release)	2,633			3,878			802			706			(18		)	(1,439		)	(1,993		)	NM		7,313			(3,450		)	NM
Provision for loan losses	9,915			12,233			8,771			7,841			8,366			6,523			5,666			(35	)%	30,919			20,555			(34	)%
Policyholder benefits and claims	332			308			324			294			287			213			227			(30	)%	964			727			(25	)%
Provision for unfunded lending commitments	60			135			—			49			(35		)	(71		)	26			—		195			(80		)	NM
Total provisions for credit losses and for benefits and claims	10,307			12,676			9,095			8,184			8,618			6,665			5,919			(35	)%	32,078			21,202			(34	)%

Operating Expenses
Compensation and benefits	6,235			6,359			6,136			6,257			6,162			5,961			6,117			0	%	18,730			18,240			(3	)%
Premises and Equipment	1,083			1,091			1,035			1,130			965			936			964			(7	)%	3,209			2,865			(11	)%
Technology / communication expense	1,142			1,154			1,114			1,163			1,064			1,083			1,131			2	%	3,410			3,278			(4	)%
Advertising and marketing expense	334			351			317			413			302			367			458			44	%	1,002			1,127			12	%
Restructuring-related items	(13		)	(32		)	(34		)	(34		)	(3		)	—			—			100	%	(79		)	(3		)	96	%
Other operating	2,904			3,076			3,256			3,385			3,028			3,519			2,850			(12	)%	9,236			9,397			2	%
Total operating expenses	11,685			11,999			11,824			12,314			11,518			11,866			11,520			(3	)%	35,508			34,904			(2	)%

Income (Loss) from Continuing Operations before Income Taxes	2,529			5,294			(529		)	(15,093		)	5,285			3,540			3,299			NM		7,294			12,124			66	%
Provision (benefits) for income taxes	835			907			(1,122		)	(7,353		)	1,036			812			698			NM		620			2,546			NM

Income (Loss) from Continuing Operations	1,694			4,387			593			(7,740		)	4,249			2,728			2,601			NM		6,674			9,578			44	%
Discontinued Operations (3)
Income (Loss) from Discontinued Operations	(152		)	(279		)	(204		)	(18		)	(5		)	(3		)	8					(635		)	—
Gain (Loss) on Sale	(12		)	14			—			100			94			—			(784		)			2			(690		)
Provision (benefits) for income taxes	(47		)	(123		)	214			(150		)	(122		)	—			(402		)			44			(524		)
Income (Loss) from Discontinued Operations, net	(117		)	(142		)	(418		)	232			211			(3		)	(374		)	11	%	(677		)	(166		)	75	%
Net Income (Loss) before attribution of Minority Interests	1,577			4,245			175			(7,508		)	4,460			2,725			2,227			NM		5,997			9,412			57	%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(16		)	(34		)	74			71			32			28			59			(20	)%	24			119			NM
Citigroup’s Net Income (Loss)	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		$	2,697		$	2,168		NM		$	5,973		$	9,293		56	%

(1)	Beginning in the second quarter of 2010, for clarity purposes, Citigroup reclassified the MSR mark-to-market and MSR hedging activities from multiple income statement lines together into Other Revenue. All periods presented reflect this reclassification.

(2)	Other revenue for the second quarter of 2009 includes $11.1 billion ($6.7 billion after-tax) related to the sale of Smith Barney and establishment of the joint venture with Morgan Stanley. Other revenue for the fourth quarter of 2009 includes $10.1 billion loss ($6.2 billion after-tax) related to Citigroup’s debt extinguishment in connection with the repayment of TARP and exit from the U.S. government loss-sharing agreement.

(3)	Discontinued Operations includes:
	a)	The sale of substantially all of Citigroup’s CitiCapital equipment finance unit to General Electric.
	b)	The sale of substantially all of Citigroup’s Retail Banking Operations in Germany to Credit Mutuel.
	c)	The sale of Nikko Cordial Securities to Sumitomo Mitsui Banking Corporation.
	d)	The sale of The Student Loan Corporation to Sallie Mae and Discover. This sale is reported as discontinued operations for the third quarter of 2010 only. Prior periods were not reclassified due to the immateriality of the impact in those periods. The total third quarter of 2010 loss on the sale of The Student Loan Corporation of $447 million is comprised of ($63) million from Continuing Operations and ($435) million from Discontinued Operations , partially offset by a $51 million benefit in Noncontrolling Interests (Minority Interests).

NM Not meaningful
Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED BALANCE SHEET
(In millions of dollars)

																						Sept 30, 2010
																						vs.
	March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31, 2009
	2009			2009			2009			2009			2010			2010			2010 (1)			Inc (Decr)

Assets
Cash and due from banks (including segregated cash and other deposits)	$	31,063		$	26,915		$	26,482		$	25,472		$	25,678		$	24,709		$	26,342		3	%
Deposits with banks	159,503			182,577			217,730			167,414			163,525			160,780			150,071			(10	)%
Fed funds sold and securities borr’d or purch under agree. to resell	179,603			179,503			197,357			222,022			234,348			230,784			240,057			8	%
Brokerage receivables	43,329			34,598			34,667			33,634			34,001			36,872			37,138			10	%
Trading account assets	335,222			325,037			340,697			342,773			345,783			309,412			337,098			(2	)%
Investments
Available-for-sale and non-marketable equity securities	178,046			207,135			206,074			254,592			270,385			285,783			310,143			22	%
Held-to-maturity	60,760			59,622			55,816			51,527			46,348			31,283			30,107			(42	)%
Total Investments	238,806			266,757			261,890			306,119			316,733			317,066			340,250			11	%
Loans, net of unearned income
Consumer	453,963			447,652			441,491			424,057			531,469			505,446			463,104			9	%
Corporate	203,329			194,038			180,720			167,447			190,335			186,720			191,207			14	%
Loans, net of unearned income	657,292			641,690			622,211			591,504			721,804			692,166			654,311			11	%
Allowance for loan losses	(31,703		)	(35,940		)	(36,416		)	(36,033		)	(48,746		)	(46,197		)	(43,674		)	21	%
Total loans, net	625,589			605,750			585,795			555,471			673,058			645,969			610,637			10	%
Goodwill	26,410			25,578			25,423			25,392			25,662			25,201			25,797			2	%
Intangible assets (other than MSR’s)	13,612			10,098			8,957			8,714			8,277			7,868			7,705			(12	)%
Mortgage servicing rights (MSR’s)	5,481			6,770			6,228			6,530			6,439			4,894			3,976			(39	)%
Other assets	163,960			165,538			159,769			163,105			168,709			174,101			172,800			6	%
Assets related to discontinued operations held for sale	—			19,412			23,604			—			—			—			31,409			—
Total assets	$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,646		$	2,002,213		$	1,937,656		$	1,983,280		7	%

Liabilities
Non-interest-bearing deposits in U.S. offices	$	78,008		$	77,180		$	77,460		$	71,325		$	66,796		$	59,225		$	64,442		(10	)%
Interest-bearing deposits in U.S. offices	219,910			234,250			244,856			232,093			230,919			241,820			237,626			2	%
Total U.S. Deposits	297,918			311,430			322,316			303,418			297,715			301,045			302,068			—
Non-interest-bearing deposits in offices outside the U.S.	36,602			40,389			40,606			44,904			45,471			46,322			52,080			16	%
Interest-bearing deposits in offices outside the U.S.	428,176			452,917			469,681			487,581			484,728			466,584			495,947			2	%
Total International Deposits	464,778			493,306			510,287			532,485			530,199			512,906			548,027			3	%
Total deposits	762,696			804,736			832,603			835,903			827,914			813,951			850,095			2	%
Fed funds purch and securities loaned or sold under agree. to repurch.	184,803			172,016			178,159			154,281			207,911			196,112			192,065			24	%
Brokerage payables	58,950			52,696			57,672			60,846			55,041			54,774			51,517			(15	)%
Trading account liabilities	128,671			117,512			130,540			137,512			142,748			131,001			142,005			3	%
Short-term borrowings	116,389			101,894			64,731			68,879			96,694			92,752			87,013			26	%
Long-term debt	337,252			348,046			379,557			364,019			439,274			413,297			387,330			6	%
Other liabilities (2)	87,890			85,091			86,384			80,233			78,852			78,439			78,198			(3	)%
Liabilities related to discontinued operations held for sale	—			12,374			16,004			—			—			—			29,874			—
Total liabilities	$	1,676,651		$	1,694,365		$	1,745,650		$	1,701,673		$	1,848,434		$	1,780,326		$	1,818,097		7	%

Equity
Stockholders’ Equity
Preferred Stock	$	74,246		$	74,301		$	312		$	312		$	312		$	312		$	312		—
Common Stock	57			57			230			286			287			292			292			2	%
Additional paid-in capital	16,525			16,663			78,802			98,142			96,427			99,014			100,898			3	%
Retained earnings	86,115			88,874			85,208			77,440			73,432			76,130			78,260			1	%
Treasury stock	(5,996		)	(5,950		)	(6,059		)	(4,543		)	(1,178		)	(1,772		)	(1,540		)	(66	)%
Accumulated other comprehensive income (loss)	(27,013		)	(21,643		)	(17,651		)	(18,937		)	(17,859		)	(19,170		)	(15,309		)	19	%
Total Common Equity	$	69,688		$	78,001		$	140,530		$	152,388		$	151,109		$	154,494		$	162,601		7	%

Total Citigroup stockholders’ equity	$	143,934		$	152,302		$	140,842		$	152,700		$	151,421		$	154,806		$	162,913		7	%
Noncontrolling Minority interests (Minority Interest)	1,993			1,866			2,107			2,273			2,358			2,524			2,270			—
Total equity	145,927			154,168			142,949			154,973			153,779			157,330			165,183			7	%
Total liabilities and equity	$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,646		$	2,002,213		$	1,937,656		$	1,983,280		7	%

(1)		Preliminary

(2)		Includes allowance for credit losses for letters of credit and unfunded lending commitments of $947 million for the first quarter of 2009, $1,082 million for the second quarter of 2009, $1,074 million for the third quarter of 2009, $1,157 million for the fourth quarter of 2009, $1,122 million for the first quarter of 2010, $1,054 million for the second quarter of 2010 and $1,012 million for the third quarter of 2010, respectively.

Reclassified to conform to the current period’s presentation.

CITIGROUP
SEGMENT DETAIL
NET REVENUE

(In millions of dollars)

																			3Q10 vs.		Nine			Nine		YTD 2010 vs.
	1Q			2Q			3Q		4Q			1Q		2Q		3Q			3Q09 Increase/		Months			Months		YTD 2009 Increase/
	2009			2009			2009		2009			2010		2010		2010			(Decrease)		2009			2010		(Decrease)

CITICORP
Regional Consumer Banking
North America	$	2,503		$	2,182		$	2,017	$	1,874		$	3,801	$	3,693	$	3,740		85	%	$	6,702		$	11,234	68	%
EMEA	360			394			415		386			405		376		349			(16	)%	1,169			1,130		(3	)%
Latin America	1,924			1,950			1,971		2,072			2,076		2,118		2,233			13	%	5,845			6,427		10	%
Asia	1,566			1,675			1,717		1,808			1,800		1,845		1,839			7	%	4,958			5,484		11	%
Total	6,353			6,201			6,120		6,140			8,082		8,032		8,161			33	%	18,674			24,275		30	%

Securities and Banking
North America	5,016			1,721			1,301		795			3,553		2,627		2,203			69	%	8,038			8,383		4	%
EMEA	4,222			2,558			2,202		1,067			2,515		1,762		1,733			(21	)%	8,982			6,010		(33	)%
Latin America	800			1,049			705		867			607		558		639			(9	)%	2,554			1,804		(29	)%
Asia	2,162			1,373			683		588			1,328		1,008		1,018			49	%	4,218			3,354		(20	)%
Total	12,200			6,701			4,891		3,317			8,003		5,955		5,593			14	%	23,792			19,551		(18	)%

Transaction Services
North America	589			656			643		638			639		636		620			(4	)%	1,888			1,895		—
EMEA	844			860			845		840			833		848		835			(1	)%	2,549			2,516		(1	)%
Latin America	343			340			337		353			344		356		384			14	%	1,020			1,084		6	%
Asia	598			627			632		644			621		662		696			10	%	1,857			1,979		7	%
Total	2,374			2,483			2,457		2,475			2,437		2,502		2,535			3	%	7,314			7,474		2	%

Total Citicorp	20,927			15,385			13,468		11,932			18,522		16,489		16,289			21	%	49,780			51,300		3	%

CITI HOLDINGS
Brokerage and Asset Management	1,607			12,220			525		271			340		141		(8		)	NM		14,352			473		(97	)%
Local Consumer Lending	6,021			3,481			4,362		3,901			4,670		4,206		3,547			(19	)%	13,864			12,423		(10	)%
Special Asset Pool	(4,534		)	(376		)	1,363		287			1,540		572		314			(77	)%	(3,547		)	2,426		NM
Total Citi Holdings	3,094			15,325			6,250		4,459			6,550		4,919		3,853			(38	)%	24,669			15,322		(38	)%

Corporate / Other	500			(741		)	672		(10,986		)	349		663		596			(11	)%	431			1,608		NM

Total Citigroup - Net Revenues	$	24,521		29,969			20,390		5,405			$	25,421	22,071		20,738			2	%	74,880			68,230		(9	)%
Impact of Credit Card Securitization Activity (1) (2)
Citicorp	1,484			1,644			1,800		1,744			—		—		—			NM		4,928			—		NM
Citi Holdings	968			1,482			952		733			—		—		—			NM		3,402			—		NM
Total Impact of Credit Card Securitization Activity	2,452			3,126			2,752		2,477			—		—		—			NM		8,330			—		NM

Total Citigroup - Managed Net Revenues (1)	$	26,973		$	33,095		$	23,142	$	7,882		$	25,421	$	22,071	$	20,738		(10	)%	$	83,210		$	68,230	(18	)%

(1)		Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

(2)		Net impact of Credit Card Securitization Activity includes the removal of securitization-related items that are part of GAAP revenues such as the gain on sale of credit card loans, mark-to-market revenue for interests retained in securitized assets classified as Trading, and net credit losses on loans that are considered sold for GAAP purposes.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP
SEGMENT DETAIL
INCOME

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Income from Continuing Operations:

CITICORP
Regional Consumer Banking
North America	$	357		$	139		$	206		$	28		$	22		$	62		$	147		(29	)%	$	702		$	231		(67	)%
EMEA	(33		)	(110		)	(23		)	(43		)	27			50			22			NM		(166		)	99			NM
Latin America	219			116			77			113			389			491			558			NM		412			1,438			NM
Asia	248			279			444			461			576			574			505			14	%	971			1,655			70	%
Total	791			424			704			559			1,014			1,177			1,232			75	%	1,919			3,423			78	%

Securities and Banking
North America	2,497			(32		)	7			(87		)	1,424			839			456			NM		2,472			2,719			10	%
EMEA	2,171			746			550			(41		)	1,032			355			505			(8	)%	3,467			1,892			(45	)%
Latin America	412			527			219			378			272			197			266			21	%	1,158			735			(37	)%
Asia	1,056			597			71			114			478			294			180			NM		1,724			952			(45	)%
Total	6,136			1,838			847			364			3,206			1,685			1,407			66	%	8,821			6,298			(29	)%

Transaction Services
North America	138			181			152			144			159			166			131			(14	)%	471			456			(3	)%
EMEA	326			350			308			303			306			318			305			(1	)%	984			929			(6	)%
Latin America	160			150			148			146			157			153			171			16	%	458			481			5	%
Asia	280			293			331			326			319			297			318			(4	)%	904			934			3	%
Total	904			974			939			919			941			934			925			(1	)%	2,817			2,800			(1	)%

Total Citicorp	7,831			3,236			2,490			1,842			5,161			3,796			3,564			43	%	13,557			12,521			(8	)%

CITI HOLDINGS
Brokerage and Asset Management	34			6,775			90			38			81			(88		)	(147		)	NM		6,899			(154		)	NM
Local Consumer Lending	(1,571		)	(4,347		)	(2,142		)	(2,356		)	(1,838		)	(1,230		)	(827		)	61	%	(8,060		)	(3,895		)	52	%
Special Asset Pool	(3,948		)	(1,246		)	58			(233		)	881			121			(80		)	NM		(5,136		)	922			NM
Total Citi Holdings	(5,485		)	1,182			(1,994		)	(2,551		)	(876		)	(1,197		)	(1,054		)	47	%	(6,297		)	(3,127		)	50	%

Corporate / Other	(652		)	(31		)	97			(7,031		)	(36		)	129			91			(6	)%	(586		)	184			NM

Income (Loss) From Continuing Operations	1,694			4,387			593			(7,740		)	4,249			2,728			2,601			NM		6,674			9,578			44	%
Discontinued Operations	(117		)	(142		)	(418		)	232			211			(3		)	(374		)			(677		)	(166		)
Net Income (Loss) Attributable to Noncontrolling Minority Interests	(16		)	(34		)	74			71			32			28			59					24			119
Citigroup’s Net Income (Loss)	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		$	2,697		$	2,168		NM		$	5,973		$	9,293		56	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
STATEMENT OF INCOME AND BALANCE SHEET DATA
(In millions of dollars)

	1Q 2009			2Q 2009			3Q 2009			4Q 2009			1Q 2010			2Q 2010			3Q 2010			3Q10 vs. 3Q09 Increase/ (Decrease)		Nine Months 2009			Nine Months 2010			YTD 2010 vs. YTD 2009 Increase/ (Decrease)

Revenues
Net interest revenue	$	8,511		$	8,774		$	8,727		$	8,420		$	9,870		$	9,742		$	9,475		9	%	$	26,012		$	29,087		12	%
Non-Interest revenue	12,416			6,611			4,741			3,512			8,652			6,747			6,814			44	%	23,768			22,213			(7	)%
Total revenues, net of interest expense	20,927			15,385			13,468			11,932			18,522			16,489			16,289			21	%	49,780			51,300			3	%

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	1,251			1,575			1,734			1,595			3,142			2,965			3,020			74	%	4,560			9,127			100	%
Credit Reserve Build / (Release)	998			1,231			522			(36		)	(360		)	(639		)	(427		)	NM		2,751			(1,426		)	NM
Provision for loan losses	2,249			2,806			2,256			1,559			2,782			2,326			2,593			15	%	7,311			7,701			5	%
Provision for Benefits & Claims	42			42			43			37			44			27			38			(12	)%	127			109			(14	)%
Provision for unfunded lending commitments	32			83			—			23			(7		)	(26		)	1			—		115			(32		)	NM
Total provisions for credit losses and for benefits and claims	2,323			2,931			2,299			1,619			2,819			2,327			2,632			14	%	7,553			7,778			3	%

Total operating expenses	7,399			8,068			8,422			8,751			8,485			9,090			8,883			5	%	23,889			26,458			11	%

Income (Loss) from Continuing Operations before Income Taxes	11,205			4,386			2,747			1,562			7,218			5,072			4,774			74	%	18,338			17,064			(7	)%
Provision (benefits) for income taxes	3,374			1,150			257			(280		)	2,057			1,276			1,210			NM		4,781			4,543			(5	)%

Income (Loss) from Continuing Operations	7,831			3,236			2,490			1,842			5,161			3,796			3,564			43	%	13,557			12,521			(8	)%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(3		)	3			25			43			21			20			30			20	%	25			71			NM
Citicorp’s Net Income (Loss)	$	7,834		$	3,233		$	2,465		$	1,799		$	5,140		$	3,776		$	3,534		43	%	$	13,532		$	12,450		(8	)%

Balance Sheet Data (in billions):

Total EOP Assets	$	1,022		$	1,051		$	1,075		$	1,138		$	1,236		$	1,211		$	1,283		19	%

Average Assets	$	1,058		$	1,074		$	1,096		$	1,125		$	1,233		$	1,250		$	1,252		14	%	$	1,076		$	1,245		16	%

Return on Assets	3.00		%	1.21		%	0.89		%	0.63		%	1.69		%	1.21		%	1.12		%			1.68		%	1.34		%

Total EOP Deposits	$	664		$	706		$	731		$	734		$	730		$	719		$	757		4	%

Total GAAP Revenues	$	20,927		$	15,385		$	13,468		$	11,932		$	18,522		$	16,489		$	16,289		21	%	$	49,780		$	51,300		3	%
Net Impact of Credit Card Securitization Activity (1)	1,484			1,644			1,800			1,744			—			—			—			NM		4,928			—			NM
Total Managed Revenues	$	22,411		$	17,029		$	15,268		$	13,676		$	18,522		$	16,489		$	16,289		7	%	$	54,708		$	51,300		(6	)%

GAAP Net Credit Losses	$	1,251		$	1,575		$	1,734		$	1,595		$	3,142		$	2,965		$	3,020		74	%	$	4,560		$	9,127		100	%
Impact of Credit Card Securitization Activity (1)	1,491			1,837			1,876			1,727			—			—			—			NM		5,204			—			NM
Total Managed Net Credit Losses	$	2,742		$	3,412		$	3,610		$	3,322		$	3,142		$	2,965		$	3,020		(16	)%	$	9,764		$	9,127		(7	)%

(1) Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
Page 1
(In millions of dollars)

	1Q 2009			2Q 2009			3Q 2009			4Q 2009			1Q 2010			2Q 2010			3Q 2010			3Q10 vs. 3Q09 Increase/ (Decrease)		Nine Months 2009			Nine Months 2010			YTD 2010 vs. YTD 2009 Increase/ (Decrease)

Net Interest Revenue	$	3,842		$	4,140		$	4,216		$	4,206		$	5,917		$	5,774		$	5,689		35	%	$	12,198		$	17,380		42	%
Non-Interest Revenue	2,511			2,061			1,904			1,934			2,165			2,258			2,472			30	%	6,476			6,895			6	%
Total Revenues, Net of Interest Expense (1)	6,353			6,201			6,120			6,140			8,082			8,032			8,161			33	%	18,674			24,275			30	%
Total Operating Expenses	3,504			3,703			3,778			4,056			3,937			3,982			4,087			8	%	10,985			12,006			9	%
Net Credit Losses	1,174			1,406			1,442			1,388			3,040			2,922			2,731			89	%	4,022			8,693			NM
Credit Reserve Build / (Release)	686			619			356			158			(180		)	(408		)	(403		)	NM		1,661			(991		)	NM
Provision for Unfunded Lending Committments	—			—			—			—			—			(4		)	—			—		—			(4		)	—
Provision for Benefits & Claims	42			42			43			37			44			27			38			(12	)%	127			109			(14	)%
Provision for Loan Losses and for Benefits and Claims	1,902			2,067			1,841			1,583			2,904			2,537			2,366			29	%	5,810			7,807			34	%
Income (loss) from Continuing Operations before Taxes	947			431			501			501			1,241			1,513			1,708			NM		1,879			4,462			NM
Income Taxes (benefits)	156			7			(203		)	(58		)	227			336			476			NM		(40		)	1,039			NM
Income (loss) from Continuing Operations	791			424			704			559			1,014			1,177			1,232			75	%	1,919			3,423			78	%
Net Income (loss) Attributable to Minority Interests	—			—			2			(2		)	(5		)	—			(4		)	NM		2			(9		)	NM
Net Income (Loss)	$	791		$	424		$	702		$	561		$	1,019		$	1,177		$	1,236		76	%	$	1,917		$	3,432		79	%
Average Assets (in billions of dollars)	$	229		$	239		$	248		$	253		$	308		$	306		$	311		25	%	$	239		$	308		29	%
Return on Assets	1.40		%	0.71		%	1.12		%	0.88		%	1.34		%	1.54		%	1.58		%			1.07		%	1.49		%

Net Credit Losses as a % of Average Loans	3.28		%	3.84		%	3.82		%	3.55		%	5.57		%	5.38		%	4.90		%

Revenue by Business
Retail Banking	$	3,537		$	3,789		$	3,760		$	3,756		$	3,814		$	3,916		$	4,005		7	%	$	11,086		$	11,735		6	%
Citi-Branded Cards	2,816			2,412			2,360			2,384			4,268			4,116			4,156			76	%	7,588			12,540			65	%
Total GAAP Revenues	6,353			6,201			6,120			6,140			8,082			8,032			8,161			33	%	18,674			24,275			30	%
Net Impact of Credit Card Securitization Activity (1)	1,484			1,644			1,800			1,744			—			—			—			NM		4,928			—			NM
Total Managed Revenues	$	7,837		$	7,845		$	7,920		$	7,884		$	8,082		$	8,032		$	8,161		3	%	$	23,602		$	24,275		3	%

Net Credit Losses by Business
Retail Banking	$	338		$	428		$	395		$	409		$	289		$	304		$	333		(16	)%	$	1,161		$	926		(20	)%
Citi-Branded Cards	836			978			1,047			979			2,751			2,618			2,398			NM		2,861			7,767			NM
Total GAAP Net Credit Losses	1,174			1,406			1,442			1,388			3,040			2,922			2,731			89	%	4,022			8,693			NM
Impact of Credit Card Securitization Activity (1)	1,491			1,837			1,876			1,727			—			—			—			NM		5,204			—			NM
Total Managed Net Credit Losses	$	2,665		$	3,243		$	3,318		$	3,115		$	3,040		$	2,922		$	2,731		(18	)%	$	9,226		$	8,693		(6	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	650		$	635		$	698		$	610		$	848		$	884		$	778		11	%	$	1,983		$	2,510		27	%
Citi-Branded Cards	141			(211		)	6			(51		)	166			293			454			NM		(64		)	913			NM
Total	$	791		$	424		$	704		$	559		$	1,014		$	1,177		$	1,232		75	%	$	1,919		$	3,423		78	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
Page 2

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	4,170			4,091			4,247			4,258			4,220			4,215			4,222			(1	)%
Accounts (in millions)	60.0			60.1			60.1			59.5			59.2			58.9			59.8			—
Average Deposits	$	256.4		$	272.2		$	278.7		$	291.7		$	289.2		$	291.4		$	295.6		6	%
Investment Sales (International Only)	$	15.3		$	25.0		$	22.9		$	21.6		$	24.1		$	23.4		$	21.3		(7	)%
Investment AUMs	$	93.5		$	107.2		$	116.3		$	117.3		$	120.8		$	116.8		$	125.4		8	%
Average Loans	$	101.1		$	103.6		$	106.0		$	108.8		$	109.5		$	109.3		$	111.5		5	%
EOP Loans:
Real Estate Lending	$	51.2		$	52.5		$	54.5		$	53.9		$	56.0		$	54.7		$	56.5		4	%
Commerical Markets	25.1			23.4			24.9			25.5			26.9			28.8			29.6			19	%
Personal and Other	24.8			27.3			28.4			27.6			27.7			25.6			27.6			(3	)%
EOP Loans	$	101.1		$	103.2		$	107.8		$	107.0		$	110.6		$	109.1		$	113.7		5	%

Net Interest Revenue (1)	$	2,319		$	2,494		$	2,578		$	2,563		$	2,564		$	2,559		$	2,504		(3	)%
As a % of Average Loans	9.30		%	9.66		%	9.65		%	9.35		%	9.50		%	9.39		%	8.91		%
Net Credit Losses	$	338		$	428		$	395		$	409		$	289		$	304		$	333		(16	)%
As a % of Average Loans	1.36		%	1.66		%	1.48		%	1.49		%	1.07		%	1.12		%	1.18		%
Loans 90+ Days Past Due (2)	$	697		$	767		$	695		$	725		$	782		$	804		$	787		13	%
As a % of EOP Loans	0.69		%	0.74		%	0.64		%	0.68		%	0.71		%	0.74		%	0.70		%
Loans 30-89 Days Past Due (2)	$	1,107		$	1,084		$	1,013		$	1,014		$	1,200		$	1,131		$	1,185		17	%
As a % of EOP Loans	1.09		%	1.05		%	0.94		%	0.95		%	1.08		%	1.04		%	1.05		%

Citi-Branded Cards Key Indicators (in billions of dollars) (3)
EOP Open Accounts (in millions)	57.2			55.8			54.6			53.1			51.3			50.8			51.1			(6	)%
Purchase Sales	$	59.6		$	63.6		$	65.5		$	67.6		$	60.1		$	63.9		$	65.5		—
Average Managed Loans (4)	$	112.5		$	112.7		$	114.4		$	115.9		$	112.0		$	108.5		$	109.5		(4	)%
EOP Managed Loans (4)	$	110.9		$	114.7		$	116.8		$	117.4		$	110.2		$	109.4		$	111.1		(5	)%
Managed Average Yield (5)	14.44		%	14.21		%	14.15		%	13.70		%	14.89		%	14.39		%	14.18		%
Managed Net Interest Revenue (6)	$	3,359		$	3,316		$	3,306		$	3,209		$	3,358		$	3,207		$	3,184		(4	)%
As a % of Average Managed Loans	12.11		%	11.80		%	11.47		%	10.98		%	12.16		%	11.86		%	11.54		%
Managed Net Credit Losses	$	2,327		$	2,815		$	2,923		$	2,706		$	2,751		$	2,618		$	2,398		(18	)%
As a % of Average Managed Loans	8.39		%	10.02		%	10.14		%	9.26		%	9.96		%	9.68		%	8.69		%
Managed Net Credit Margin (7)	$	1,960		$	1,226		$	1,223		$	1,415		$	1,517		$	1,493		$	1,752		43	%
As a % of Avgerage Managed Loans	7.07		%	4.36		%	4.24		%	4.84		%	5.49		%	5.52		%	6.35		%
Managed Loans 90+ Days Past Due	$	3,246		$	3,522		$	3,204		$	3,298		$	3,155		$	2,929		$	2,590		(19	)%
As a % of EOP Managed Loans	2.93		%	3.07		%	2.74		%	2.81		%	2.86		%	2.68		%	2.33		%
Managed Loans 30-89 Days Past Due	$	3,544		$	3,244		$	3,339		$	3,231		$	3,094		$	2,727		$	2,543		(24	)%
As a % of EOP Managed Loans	3.20		%	2.83		%	2.86		%	2.75		%	2.81		%	2.49		%	2.29		%

(1) Also includes Net Interest Revenue related to the international regions’ deposit balances in excess of the average loan portfolio.

(2) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies. See Note 1 on North America Regional Consumer Banking on page 10.

(3) Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

(4) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(5) Managed Average Yield is gross interest revenue earned divided by average managed loans.

(6) Managed Net Interest Revenue includes certain fees that are recorded as interest revenue.

(7) Managed Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA

Page 1

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	1,192		$	1,330		$	1,387		$	1,295		$	2,954		$	2,778		$	2,734		97	%	$	3,909		$	8,466		NM
Non-Interest Revenue	1,311			852			630			579			847			915			1,006			60	%	2,793			2,768			(1	)%
Total Revenues, Net of Interest Expense (1)	2,503			2,182			2,017			1,874			3,801			3,693			3,740			85	%	6,702			11,234			68	%
Total Operating Expenses	1,494			1,486			1,499			1,508			1,611			1,499			1,501			—		4,479			4,611			3	%
Net Credit Losses	257			307			279			308			2,157			2,126			1,971			NM		843			6,254			NM
Credit Reserve Build / (Release)	253			149			54			71			4			(9		)	40			(26	)%	456			35			(92	)%
Provision for Unfunded Lending Committments	—			—			—			—			—			—			—			—		—			—			—
Provision for Benefits & Claims	13			15			14			8			8			5			6			(57	)%	42			19			(55	)%
Provision for Loan Losses and for Benefits and Claims	523			471			347			387			2,169			2,122			2,017			NM		1,341			6,308			NM
Income (loss) from Continuing Operations before Taxes	486			225			171			(21		)	21			72			222			30	%	882			315			(64	)%
Income Taxes (benefits)	129			86			(35		)	(49		)	(1		)	10			75			NM		180			84			(53	)%
Income (loss) from Continuing Operations	357			139			206			28			22			62			147			(29	)%	702			231			(67	)%
Net Income (loss) Attributable to Minority Interests	—			—			—			—			—			—			—			—		—			—			—
Net Income (Loss)	$	357		$	139		$	206		$	28		$	22		$	62		$	147		(29	)%	$	702		$	231		(67	)%
Average Assets (in billions of dollars)	$	72		$	74		$	75		$	71		$	121		$	117		$	118		57	%	$	74		$	119		61	%
Return on Assets	2.01		%	0.75		%	1.09		%	0.16		%	0.07		%	0.21		%	0.49		%			1.27		%	0.26		%

Net Credit Losses as a % of Average Loans	2.13		%	2.61		%	2.40		%	2.57		%	7.85		%	7.98		%	7.40		%

Revenue by Business
Retail Banking	$	1,296		$	1,376		$	1,333		$	1,232		$	1,280		$	1,323		$	1,372		3	%	$	4,005		$	3,975		(1	)%
Citi-Branded Cards	1,207			806			684			642			2,521			2,370			2,368			NM		2,697			7,259			NM
Total GAAP Revenues	2,503			2,182			2,017			1,874			3,801			3,693			3,740			85	%	6,702			11,234			68	%
Net Impact of Credit Card Securitization Activity (1)	1,484			1,644			1,800			1,744			—			—			—			NM		4,928			—			NM
Total Managed Revenues	$	3,987		$	3,826		$	3,817		$	3,618		$	3,801		$	3,693		$	3,740		(2	)%	$	11,630		$	11,234		(3	)%

Net Credit Losses by Business
Retail Banking	$	56		$	88		$	78		$	88		$	73		$	79		$	90		15	%	$	222		$	242		9	%
Citi-Branded Cards	201			219			201			220			2,084			2,047			1,881			NM		621			6,012			NM
Total GAAP NCLs	257			307			279			308			2,157			2,126			1,971			NM		843			6,254			NM
Impact of Credit Card Securitization Activity (1)	1,491			1,837			1,876			1,727			—			—			—			NM		5,204			—			NM
Total Managed Net Credit Losses	$	1,748		$	2,144		$	2,155		$	2,035		$	2,157		$	2,126		$	1,971		(9	)%	$	6,047		$	6,254		3	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	241		$	242		$	193		$	129		$	184		$	225		$	189		(2	)%	$	676		$	598		(12	)%
Citi-Branded Cards	116			(103		)	13			(101		)	(162		)	(163		)	(42		)	NM		26			(367		)	NM
Total	$	357		$	139		$	206		$	28		$	22		$	62		$	147		(29	)%	$	702		$	231		(67	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA
Page 2

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	1,000			1,001			1,002			1,003			1,003			1,002			1,000			—
Accounts (in millions)	13.4			13.5			13.6			13.6			13.5			13.3			13.3			(2	)%
Investment AUMs	$	30.3		$	31.8		$	34.1		$	33.4		$	32.6		$	28.8		$	29.8		(13	)%

Average Deposits	$	130.9		$	139.6		$	142.1		$	149.3		$	144.2		$	145.5		$	144.9		2	%

Average Loans	$	34.3		$	35.0		$	34.3		$	34.1		$	32.2		$	30.7		$	29.7		(13	)%

EOP Loans:
Real Estate Lending	$	27.0		$	26.3		$	26.7		$	24.9		$	24.4		$	23.1		$	22.3		(16	)%
Commercial Markets	2.0			2.0			2.3			2.1			2.1			2.2			2.1			(9	)%
Personal and Other	5.1			5.3			5.0			5.2			5.0			4.9			5.0			—
Total EOP Loans	$	34.1		$	33.6		$	34.0		$	32.2		$	31.5		$	30.2		$	29.4		(14	)%

Mortgage Originations	$	21.5		$	28.8		$	11.9		$	9.3		$	10.3		$	11.2		$	18.6		56	%

Third Party Mortgage Servicing Portfolio (EOP in billions)	$	164.2		$	176.8		$	186.2		$	187.0		$	191.2		$	190.8		$	191.4		3	%

Net Servicing & Gain/(Loss) on Sale	$	241.0		$	242.3		$	99.5		$	104.3		$	207.8		$	271.7		$	344.3		NM

Net Interest Revenue on Loans	$	178		$	184		$	188		$	186		$	183		$	162		$	152		(19	)%
As a % of Avg. Loans	2.10		%	2.11		%	2.17		%	2.16		%	2.30		%	2.12		%	2.03		%

Net Credit Losses	$	56		$	88		$	78		$	88		$	73		$	79		$	90		15	%
As a % of Avg. Loans	0.66		%	1.01		%	0.90		%	1.02		%	0.92		%	1.03		%	1.20		%

Loans 90+ Days Past Due (1)	$	99		$	97		$	92		$	106		$	142		$	245		$	221		NM
As a % of EOP Loans	0.29		%	0.29		%	0.27		%	0.33		%	0.45		%	0.81		%	0.77		%

Loans 30-89 Days Past Due (1)	$	92		$	87		$	82		$	81		$	236		$	241		$	243		NM
As a % of EOP Loans	0.27		%	0.26		%	0.24		%	0.25		%	0.75		%	0.80		%	0.85		%

(1) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies.

The amounts excluded for Loans 90+Days Past Due and (EOP Loans) are $188 million and ($0.8 billion) as of September 30, 2010, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) are $15 million and ($0.8 billion) as of September 30, 2010, respectively.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA
Page 3

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Citi-Branded Cards Key Indicators (in billions of dollars) (1)
EOP Open Accounts (in millions)	25.6			25.0			24.5			23.1			21.8			21.3			21.2			(13	)%
Purchase Sales	$	40.1		$	42.4		$	42.3		$	41.8		$	36.2		$	39.3		$	39.0		(8	)%

Average Managed Loans (2)
Off-Balance Sheet	$	68.4		$	69.6		$	70.8		$	69.7		$	—		$	—		$	—		(100	)%
On Balance Sheet	14.6			12.2			11.8			13.4			79.2			76.2			76.0			NM
Total	$	83.0		$	81.8		$	82.6		$	83.1		$	79.2		$	76.2		$	76.0		(8	)%

EOP Managed Loans (2)
Off-Balance Sheet	$	69.2		$	71.7		$	71.9		$	72.6		$	—		$	—		$	—		(100	)%
On Balance Sheet	12.5			11.6			12.8			11.5			77.7			77.2			76.6			NM
Total	$	81.7		$	83.3		$	84.7		$	84.1		$	77.7		$	77.2		$	76.6		(10	)%

Managed Average Yield (3)	12.86		%	12.57		%	12.64		%	12.05		%	13.58		%	12.70		%	12.05		%
Managed Net Interest Revenue (4)	$	2,217		$	2,107		$	2,073		$	1,963		$	2,103		$	1,940		$	1,927		(7	)%
As a % of Avg. Managed Loans (4)	10.83		%	10.33		%	9.96		%	9.37		%	10.77		%	10.21		%	10.06		%
Managed Net Credit Losses	$	1,692		$	2,056		$	2,077		$	1,947		$	2,084		$	2,047		$	1,881		(9	)%
As a % of Average Managed Loans	8.27		%	10.08		%	9.98		%	9.30		%	10.67		%	10.77		%	9.82		%
Managed Net Credit Margin (5)	$	986		$	379		$	393		$	432		$	437		$	318		$	481		22	%
As a % of Avg. Managed Loans (5)	4.82		%	1.86		%	1.89		%	2.06		%	2.24		%	1.67		%	2.51		%
Managed Loans 90+ Days Past Due	$	2,307		$	2,366		$	2,190		$	2,371		$	2,304		$	2,130		$	1,807		(17	)%
As a % of EOP Managed Loans	2.82		%	2.84		%	2.59		%	2.82		%	2.97		%	2.76		%	2.36		%
Managed Loans 30-89 Days Past Due	$	2,337		$	2,024		$	2,213		$	2,182		$	2,145		$	1,828		$	1,687		(24	)%
As a % of EOP Managed Loans	2.86		%	2.43		%	2.61		%	2.59		%	2.76		%	2.37		%	2.20		%

(2) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(3) Managed Average Yield is gross interest revenue earned divided by average managed loans.

(4) Managed Net Interest Revenue includes certain fees that are recorded as interest revenue.

(5) Managed Net Credit Margin represents Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
EMEA - PAGE 1
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	224		$	243		$	262		$	250		$	248		$	230		$	222		(15	)%	$	729		$	700		(4	)%
Non-Interest Revenue	136			151			153			136			157			146			127			(17	)%	440			430			(2	)%
Total Revenues, Net of Interest Expense	360			394			415			386			405			376			349			(16	)%	1,169			1,130			(3	)%
Total Operating Expenses	256			282			270			286			277			268			303			12	%	808			848			5	%
Net Credit Losses	89			121			139			138			97			85			65			(53	)%	349			247			(29	)%
Credit Reserve Build / (Release)	72			158			67			10			(10		)	(46		)	(51		)	NM		297			(107		)	NM
Provision for Unfunded Lending Committments	—			—			—			—			—			(4		)	—			—		—			(4		)	—
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	161			279			206			148			87			35			14			(93	)%	646			136			(79	)%
Income (loss) from Continuing Operations before Taxes	(57		)	(167		)	(61		)	(48		)	41			73			32			NM		(285		)	146			NM
Income Taxes (benefits)	(24		)	(57		)	(38		)	(5		)	14			23			10			NM		(119		)	47			NM
Income (loss) from Continuing Operations	(33		)	(110		)	(23		)	(43		)	27			50			22			NM		(166		)	99			NM
Net Income (loss) Attributable to Minority Interests	—			—			2			(2		)	—			—			(1		)	NM		2			(1		)	NM
Net Income (Loss)	$	(33	)	$	(110	)	$	(25	)	$	(41	)	$	27		$	50		$	23		NM		$	(168	)	$	100		NM
Average Assets (in billions of dollars)	$	11		$	11		$	11		$	11		$	10		$	10		$	10		(9	)%	$	11		$	10		(9	)%
Return on Assets	(1.22		)%	(4.01		)%	(0.90		)%	(1.48		)%	1.10		%	2.01		%	0.91		%			(2.04		)%	1.34		%

Net Credit Losses as a % of Average Loans	4.57		%	5.78		%	6.34		%	6.44		%	4.98		%	4.74		%	3.53		%

Revenue by Business
Retail Banking	$	205		$	234		$	237		$	213		$	222		$	205		$	186		(22	)%	$	676		$	613		(9	)%
Citi-Branded Cards	155			160			178			173			183			171			163			(8	)%	493			517			5	%
Total	$	360		$	394		$	415		$	386		$	405		$	376		$	349		(16	)%	$	1,169		$	1,130		(3	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(41	)	$	(76	)	$	(23	)	$	(39	)	$	(6	)	$	9		$	(18	)	22	%	$	(140	)	$	(15	)	89	%
Citi-Branded Cards	8			(34		)	—			(4		)	33			41			40			—		(26		)	114			NM
Total	$	(33	)	$	(110	)	$	(23	)	$	(43	)	$	27		$	50		$	22		NM		$	(166	)	$	99		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
EMEA - PAGE 2

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	401			396			389			341			310			304			300			(23	)%
Accounts (in millions)	3.8			3.7			3.7			3.7			3.7			3.7			3.7			—
Average Deposits	$	8.3		$	9.0		$	9.5		$	9.9		$	9.7		$	8.9		$	9.1		(4	)%
Investment Sales	$	0.4		$	0.5		$	0.5		$	0.6		$	0.7		$	0.7		$	0.6		20	%
Investment AUMs	$	3.5		$	4.5		$	4.2		$	4.3		$	4.4		$	4.1		$	4.6		10	%
Average Loans	$	5.4		$	5.6		$	5.7		$	5.5		$	5.0		$	4.5		$	4.5		(21	)%
EOP Loans:
Real Estate Lending	$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		—
Commercial Markets	1.8			1.9			1.9			1.6			1.5			1.4			1.6			(16	)%
Personal and Other	3.6			3.7			3.7			3.5			3.3			2.8			3.0			(19	)%
Total EOP Loans	$	5.5		$	5.7		$	5.7		$	5.2		$	4.9		$	4.3		$	4.7		(18	)%

Net Interest Revenue (1)	$	124		$	137		$	139		$	123		$	125		$	113		$	104		(25	)%
As a % of Average Loans (1)	9.31		%	9.81		%	9.67		%	8.87		%	10.14		%	10.07		%	9.17		%
Net Credit Losses	$	60		$	74		$	84		$	84		$	47		$	46		$	34		(60	)%
As a % of Average Loans	4.51		%	5.30		%	5.85		%	6.06		%	3.81		%	4.10		%	3.00		%
Loans 90+ Days Past Due	$	58		$	70		$	62		$	60		$	52		$	50		$	40		(35	)%
As a % of EOP Loans	1.05		%	1.23		%	1.09		%	1.15		%	1.06		%	1.16		%	0.85		%
Loans 30-89 Days Past Due	$	213		$	235		$	230		$	203		$	182		$	145		$	142		(38	)%
As a % of EOP Loans	3.87		%	4.12		%	4.04		%	3.90		%	3.71		%	3.37		%	3.02		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	2.8			2.8			2.7			2.7			2.6			2.4			2.5			(7	)%
Purchase Sales	$	1.8		$	1.9		$	2.2		$	2.5		$	2.1		$	2.1		$	2.3		5	%
Average Loans (2)	$	2.5		$	2.8		$	3.0		$	3.0		$	2.9		$	2.7		$	2.8		(7	)%
EOP Loans (2)	$	2.5		$	2.8		$	3.0		$	3.0		$	2.9		$	2.6		$	2.9		(3	)%
Average Yield (3)	19.77		%	20.23		%	20.69		%	21.06		%	21.31		%	20.90		%	21.03		%

Net Interest Revenue (4)	$	100		$	106		$	123		$	127		$	123		$	117		$	118		(4	)%
As a % of Avg. Loans (4)	16.22		%	15.18		%	16.27		%	16.80		%	17.20		%	17.38		%	16.72		%
Net Credit Losses	$	29		$	47		$	55		$	54		$	50		$	39		$	31		(44	)%
As a % of Average Loans	4.70		%	6.73		%	7.27		%	7.14		%	6.99		%	5.79		%	4.39		%
Net Credit Margin (5)	$	126		$	113		$	123		$	119		$	133		$	132		$	132		7	%
As a % of Avg. Loans (5)	20.44		%	16.19		%	16.27		%	15.74		%	18.60		%	19.61		%	18.70		%
Loans 90+ Days Past Due	$	58		$	99		$	90		$	85		$	77		$	72		$	69		(23	)%
As a % of EOP Loans	2.32		%	3.54		%	3.00		%	2.83		%	2.66		%	2.77		%	2.38		%
Loans 30-89 Days Past Due	$	131		$	146		$	155		$	140		$	113		$	90		$	86		(45	)%
As a % of EOP Loans	5.24		%	5.21		%	5.17		%	4.67		%	3.90		%	3.46		%	2.97		%

(1)	Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.
(2)	Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(3)	Average Yield is gross interest revenue earned divided by average loans.
(4)	Net Interest Revenue includes certain fees that are recorded as interest revenue.
(5)	Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
LATIN AMERICA - PAGE 1
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	1,275		$	1,368		$	1,366		$	1,390		$	1,458		$	1,471		$	1,501		10	%	$	4,009		$	4,430		11	%
Non-Interest Revenue	649			582			605			682			618			647			732			21	%	1,836			1,997			9	%
Total Revenues, Net of Interest Expense	1,924			1,950			1,971			2,072			2,076			2,118			2,233			13	%	5,845			6,427			10	%
Total Operating Expenses	958			1,090			1,127			1,263			1,142			1,266			1,258			12	%	3,175			3,666			15	%
Net Credit Losses	541			610			657			625			509			457			450			(32	)%	1,808			1,416			(22	)%
Credit Reserve Build / (Release)	166			156			141			(1		)	(136		)	(241		)	(300		)	NM		463			(677		)	NM
Provision for Unfunded Lending Committments	—			—			—			—			—			—			—			—		—			—			—
Provision for Benefits & Claims	29			27			29			29			36			22			32			10	%	85			90			6	%
Provision for Loan Losses and for Benefits and Claims	736			793			827			653			409			238			182			(78	)%	2,356			829			(65	)%
Income (loss) from Continuing Operations before Taxes	230			67			17			156			525			614			793			NM		314			1,932			NM
Income Taxes (benefits)	11			(49		)	(60		)	43			136			123			235			NM		(98		)	494			NM
Income (loss) from Continuing Operations	219			116			77			113			389			491			558			NM		412			1,438			NM
Net Income (loss) Attributable to Minority Interests	—			—			—			—			(5		)	—			(3		)	—		—			(8		)	—
Net Income (Loss)	$	219		$	116		$	77		$	113		$	394		$	491		$	561		NM		$	412		$	1,446		NM
Average Assets (in billions of dollars)	$	60		$	66		$	66		$	70		$	72		$	74		$	74		12	%	$	64		$	73		14	%
Return on Assets	1.48		%	0.70		%	0.46		%	0.64		%	2.22		%	2.66		%	3.01		%			0.86		%	2.65		%

Net Credit Losses as a % of Average Loans	8.22		%	8.68		%	8.99		%	8.18		%	6.75		%	5.84		%	5.48		%

Revenue by Business
Retail Banking	$	1,026		$	1,112		$	1,114		$	1,183		$	1,196		$	1,236		$	1,300		17	%	$	3,252		$	3,732		15	%
Citi-Branded Cards	898			838			857			889			880			882			933			9	%	2,593			2,695			4	%
Total	$	1,924		$	1,950		$	1,971		$	2,072		$	2,076		$	2,118		$	2,233		13	%	$	5,845		$	6,427		10	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	230		$	196		$	154		$	169		$	256		$	275		$	277		80	%	$	580		$	808		39	%
Citi-Branded Cards	(11		)	(80		)	(77		)	(56		)	133			216			281			NM		(168		)	630			NM
Total	$	219		$	116		$	77		$	113		$	389		$	491		$	558		NM		$	412		$	1,438		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
LATIN AMERICA - PAGE 2

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	2,065			2,066			2,163			2,216			2,203			2,205			2,215			2	%
Accounts (in millions)	26.2			26.3			26.6			26.3			25.9			25.9			26.5			—
Average Deposits	$	34.1		$	36.0		$	35.8		$	37.9		$	39.6		$	39.9		$	40.6		13	%
Investment Sales	$	11.5		$	18.3		$	15.0		$	12.8		$	14.5		$	13.1		$	10.6		(29	)%
Investment AUMs	$	26.7		$	32.8		$	35.1		$	34.8		$	37.9		$	39.1		$	43.2		23	%
Average Loans	$	15.3		$	16.3		$	16.9		$	18.0		$	18.5		$	19.4		$	20.3		20	%
EOP Loans:
Real Estate Lending	$	2.5		$	2.8		$	2.8		$	3.2		$	3.6		$	3.7		$	3.9		39	%
Commercial Markets	8.5			7.6			8.0			9.1			9.8			10.5			11.1			39	%
Personal and Other	4.4			6.1			6.9			5.9			6.0			5.4			5.8			(16	)%
Total EOP Loans	$	15.4		$	16.5		$	17.7		$	18.2		$	19.4		$	19.6		$	20.8		18	%

Net Interest Revenue (4)	$	639		$	700		$	696		$	729		$	790		$	794		$	814		17	%
As a % of Avg. Loans (4)	16.94		%	17.23		%	16.34		%	16.07		%	17.32		%	16.42		%	15.91		%
Net Credit Losses	$	112		$	138		$	114		$	149		$	91		$	96		$	128		12	%
As a % of Average Loans	2.97		%	3.40		%	2.68		%	3.28		%	1.99		%	1.98		%	2.50		%
Loans 90+ Days Past Due	$	277		$	316		$	279		$	323		$	352		$	308		$	310		11	%
As a % of EOP Loans	1.80		%	1.92		%	1.58		%	1.77		%	1.81		%	1.57		%	1.49		%
Loans 30-89 Days Past Due	$	305		$	337		$	315		$	316		$	346		$	305		$	377		20	%
As a % of EOP Loans	1.98		%	2.04		%	1.78		%	1.74		%	1.78		%	1.56		%	1.81		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	12.9			12.5			12.3			12.2			12.1			12.2			12.4			1	%
Purchase Sales	$	5.9		$	6.5		$	7.2		$	8.1		$	7.3		$	7.5		$	8.2		14	%
Average Loans (2)	$	11.4		$	11.9		$	12.1		$	12.3		$	12.1		$	12.0		$	12.3		2	%
EOP Loans (2)	$	11.3		$	12.1		$	12.1		$	12.4		$	12.1		$	12.0		$	12.6		4	%
Average Yield (3)	25.90		%	24.92		%	24.26		%	23.80		%	24.58		%	25.10		%	26.00		%

Net Interest Revenue (4)	$	636		$	668		$	670		$	661		$	668		$	677		$	687		3	%
As a % of Avg. Loans (4)	22.63		%	22.52		%	21.97		%	21.32		%	22.39		%	22.63		%	22.16		%
Net Credit Losses	$	429		$	472		$	543		$	476		$	418		$	361		$	322		(41	)%
As a % of Average Loans	15.26		%	15.91		%	17.80		%	15.35		%	14.01		%	12.07		%	10.39		%
Net Credit Margin (5)	$	469		$	366		$	314		$	413		$	462		$	521		$	611		95	%
As a % of Avg. Loans (5)	16.68		%	12.34		%	10.30		%	13.32		%	15.48		%	17.41		%	19.71		%
Loans 90+ Days Past Due	$	562		$	707		$	609		$	565		$	510		$	481		$	472		(22	)%
As a % of EOP Loans	4.97		%	5.84		%	5.03		%	4.56		%	4.21		%	4.01		%	3.75		%
Loans 30-89 Days Past Due	$	689		$	693		$	604		$	556		$	475		$	485		$	442		(27	)%
As a % of EOP Loans	6.10		%	5.73		%	4.99		%	4.48		%	3.93		%	4.04		%	3.51		%

(1) Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.

(2) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(3) Average Yield is gross interest revenue earned divided by average loans.

(4) Net Interest Revenue includes certain fees that are recorded as interest revenue.

(5) Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
ASIA - PAGE 1
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	1,151		$	1,199		$	1,201		$	1,271		$	1,257		$	1,295		$	1,232		3	%	$	3,551		$	3,784		7	%
Non-Interest Revenue	415			476			516			537			543			550			607			18	%	1,407			1,700			21	%
Total Revenues, Net of Interest Expense	1,566			1,675			1,717			1,808			1,800			1,845			1,839			7	%	4,958			5,484			11	%
Total Operating Expenses	796			845			882			999			907			949			1,025			16	%	2,523			2,881			14	%
Net Credit Losses	287			368			367			317			277			254			245			(33	)%	1,022			776			(24	)%
Credit Reserve Build / (Release)	195			156			94			78			(38		)	(112		)	(92		)	NM		445			(242		)	NM
Provision for Unfunded Lending Committments	—			—			—			—			—			—			—			—		—			—			—
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	482			524			461			395			239			142			153			(67	)%	1,467			534			(64	)%
Income (loss) from Continuing Operations before Taxes	288			306			374			414			654			754			661			77	%	968			2,069			NM
Income Taxes (benefits)	40			27			(70		)	(47		)	78			180			156			NM		(3		)	414			NM
Income (loss) from Continuing Operations	248			279			444			461			576			574			505			14	%	971			1,655			70	%
Net Income (loss) Attributable to Minority Interests	—			—			—			—			—			—			—			—		—			—			—
Net Income (Loss)	$	248		$	279		$	444		$	461		$	576		$	574		$	505		14	%	$	971		$	1,655		70	%
Average Assets (in billions of dollars)	$	86		$	88		$	96		$	101		$	105		$	105		$	109		14	%	$	90		$	106		18	%
Return on Assets	1.17		%	1.27		%	1.83		%	1.81		%	2.22		%	2.19		%	1.84		%			1.44		%	2.09		%

Net Credit Losses as a % of Average Loans	1.89		%	2.35		%	2.21		%	1.83		%	1.57		%	1.41		%	1.29		%

Revenue by Business
Retail Banking	$	1,010		$	1,067		$	1,076		$	1,128		$	1,116		$	1,152		$	1,147		7	%	$	3,153		$	3,415		8	%
Citi-Branded Cards	556			608			641			680			684			693			692			8	%	1,805			2,069			15	%
Total	$	1,566		$	1,675		$	1,717		$	1,808		$	1,800		$	1,845		$	1,839		7	%	$	4,958		$	5,484		11	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	220		$	273		$	374		$	351		$	414		$	375		$	330		(12	)%	$	867		$	1,119		29	%
Citi-Branded Cards	28			6			70			110			162			199			175			NM		104			536			NM
Total	$	248		$	279		$	444		$	461		$	576		$	574		$	505		14	%	$	971		$	1,655		70	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
ASIA - PAGE 2

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	704			694			693			698			704			704			707			2	%
Accounts (in millions)	16.6			16.6			16.2			15.9			16.1			16.0			16.3			1	%
Average Deposits	$	83.1		$	87.6		$	91.3		$	94.6		$	95.7		$	97.1		$	101.0		11	%
Investment Sales	$	3.4		$	6.2		$	7.4		$	8.2		$	8.9		$	9.6		$	10.1		36	%
Investment AUMs	$	33.0		$	38.1		$	42.9		$	44.8		$	45.9		$	44.8		$	47.8		11	%
Average Loans	$	46.1		$	46.7		$	49.1		$	51.2		$	53.8		$	54.7		$	57.0		16	%
EOP Loans:
Real Estate Lending	$	21.6		$	23.3		$	24.9		$	25.7		$	27.9		$	27.8		$	30.2		21	%
Commercial Markets	12.8			11.9			12.7			12.7			13.5			14.7			14.8			17	%
Personal and Other	11.7			12.2			12.8			13.0			13.4			12.5			13.8			8	%
Total EOP Loans	$	46.1		$	47.4		$	50.4		$	51.4		$	54.8		$	55.0		$	58.8		17	%

Net Interest Revenue (4)	$	745		$	764		$	761		$	813		$	793		$	822		$	780		2	%
As a % of Avg. Loans (4)	6.55		%	6.56		%	6.15		%	6.30		%	5.98		%	6.03		%	5.43		%
Net Credit Losses	$	110		$	128		$	119		$	88		$	78		$	83		$	81		(32	)%
As a % of Average Loans	0.97		%	1.10		%	0.96		%	0.68		%	0.59		%	0.61		%	0.56		%
Loans 90+ Days Past Due	$	263		$	284		$	262		$	236		$	236		$	201		$	216		(18	)%
As a % of EOP Loans	0.57		%	0.60		%	0.52		%	0.46		%	0.43		%	0.37		%	0.37		%
Loans 30-89 Days Past Due	$	497		$	425		$	386		$	414		$	436		$	440		$	423		10	%
As a % of EOP Loans	1.08		%	0.90		%	0.77		%	0.81		%	0.80		%	0.80		%	0.72		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	15.9			15.5			15.1			15.1			14.8			14.9			15.0			(1	)%
Purchase Sales	$	11.8		$	12.8		$	13.8		$	15.2		$	14.5		$	15.0		$	16.0		16	%
Average Loans (2)	$	15.6		$	16.2		$	16.7		$	17.5		$	17.8		$	17.6		$	18.4		10	%
EOP Loans (2)	$	15.4		$	16.5		$	17.0		$	17.9		$	17.5		$	17.6		$	19.0		12	%
Average Yield (3)	13.64		%	13.55		%	13.14		%	13.15		%	13.17		%	13.20		%	12.32		%

Net Interest Revenue (4)	$	406		$	435		$	440		$	458		$	464		473			$	452		3	%
As a % of Avg. Loans (4)	10.55		%	10.77		%	10.45		%	10.38		%	10.57		%	10.78		%	9.75		%
Net Credit Losses	$	177		$	240		$	248		$	229		$	199		$	171		$	164		(34	)%
As a % of Average Loans	4.60		%	5.94		%	5.89		%	5.19		%	4.53		%	3.90		%	3.54		%
Net Credit Margin (5)	$	379		$	368		$	393		$	451		$	485		$	522		$	528		34	%
As a % of Avg. Loans (5)	9.85		%	9.11		%	9.34		%	10.22		%	11.05		%	11.90		%	11.38		%
Loans 90+ Days Past Due	$	319		$	350		$	315		$	277		$	264		$	246		$	242		(23	)%
As a % of EOP Loans	2.07		%	2.12		%	1.85		%	1.55		%	1.51		%	1.40		%	1.27		%
Loans 30-89 Days Past Due	$	387		$	381		$	367		$	353		$	361		$	324		$	328		(11	)%
As a % of EOP Loans	2.51		%	2.31		%	2.16		%	1.97		%	2.06		%	1.84		%	1.73		%

(1) Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.

(2) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(3) Average Yield is gross interest revenue earned divided by average loans.

(4) Net Interest Revenue includes certain fees that are recorded as interest revenue.

(5) Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Commissions and Fees	$	959		$	1,019		$	1,122		$	1,094		$	1,108		$	1,086		$	1,016		(9	)%	3,100			3,210			4	%
Administration and Other Fiduciary Fees	708			712			702			728			721			615			672			(4	)%	2,122			2,008			(5	)%
Investment Banking	941			1,240			1,066			1,440			953			592			829			(22	)%	3,247			2,374			(27	)%
Principal Transactions	6,950			880			(571		)	(1,767		)	3,344			1,632			982			NM		7,259			5,958			(18	)%
Other	347			699			518			83			361			564			843			63	%	1,564			1,768			13	%
Total Non-Interest Revenue	9,905			4,550			2,837			1,578			6,487			4,489			4,342			53	%	17,292			15,318			(11	)%
Net Interest Revenue (including Dividends)	4,669			4,634			4,511			4,214			3,953			3,968			3,786			(16	)%	13,814			11,707			(15	)%
Total Revenues, Net of Interest Expense	14,574			9,184			7,348			5,792			10,440			8,457			8,128			11	%	31,106			27,025			(13	)%
Total Operating Expenses	3,895			4,365			4,644			4,695			4,548			5,108			4,796			3	%	12,904			14,452			12	%
Net Credit Losses	77			169			292			207			102			43			289			(1	)%	538			434			(19	)%
Provision for Unfunded Lending Commitments	32			83			—			23			(7		)	(22		)	1			—		115			(28		)	NM
Credit Reserve Build / (Release)	312			612			166			(194		)	(180		)	(231		)	(24		)	NM		1,090			(435		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	421			864			458			36			(85		)	(210		)	266			(42	)%	1,743			(29		)	NM
Income from Continuing Operations before Taxes	10,258			3,955			2,246			1,061			5,977			3,559			3,066			37	%	16,459			12,602			(23	)%
Income Taxes (benefits)	3,218			1,143			460			(222		)	1,830			940			734			60	%	4,821			3,504			(27	)%
Income from Continuing Operations	7,040			2,812			1,786			1,283			4,147			2,619			2,332			31	%	11,638			9,098			(22	)%
Net Income (loss) Attributable to Minority Interests	(3		)	3			23			45			26			20			34			48	%	23			80			NM
Net Income	$	7,043		$	2,809		$	1,763		$	1,238		$	4,121		$	2,599		$	2,298		30	%	$	11,615		$	9,018		(22	)%
Average Assets (in billions of dollars)	$	829		$	835		$	848		$	872		$	925		$	944		$	941		11	%	$	837		$	937		12	%
Return on Assets	3.45		%	1.35		%	0.82		%	0.56		%	1.81		%	1.10		%	0.97		%			1.86		%	1.29		%

Revenue by Region
North America	$	5,605		$	2,377		$	1,944		$	1,433		$	4,192		$	3,263		$	2,823		45	%	$	9,926		$	10,278		4	%
EMEA	5,066			3,418			3,047			1,907			3,348			2,610			2,568			(16	)%	11,531			8,526			(26	)%
Latin America	1,143			1,389			1,042			1,220			951			914			1,023			(2	)%	3,574			2,888			(19	)%
Asia	2,760			2,000			1,315			1,232			1,949			1,670			1,714			30	%	6,075			5,333			(12	)%
Total	$	14,574		$	9,184		$	7,348		$	5,792		$	10,440		$	8,457		$	8,128		11	%	$	31,106		$	27,025		(13	)%

Income from Continuing Operations by Region
North America	$	2,635		$	149		$	159		$	57		$	1,583		$	1,005		$	587		NM		$	2,943		$	3,175		8	%
EMEA	2,497			1,096			858			262			1,338			673			810			(6	)%	4,451			2,821			(37	)%
Latin America	572			677			367			524			429			350			437			19	%	1,616			1,216			(25	)%
Asia	1,336			890			402			440			797			591			498			24	%	2,628			1,886			(28	)%
Total	$	7,040		$	2,812		$	1,786		$	1,283		$	4,147		$	2,619		$	2,332		31	%	$	11,638		$	9,098		(22	)%

Average Loans by Region (in billions)
North America	$	57		$	55		$	49		$	46		$	64		68			66			35	%
EMEA	48			48			43			41			36			37			38			(12	)%
Latin America	21			21			22			22			22			21			22			—
Asia	30			28			27			28			31			34			37			37	%
Total	$	156		$	152		$	141		$	137		$	153		$	160		$	163		16	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

SECURITIES AND BANKING

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	3,263		$	3,179		$	3,118		$	2,817		$	2,565		$	2,570		$	2,353		(25	)%	$	9,560		$	7,488		(22	)%
Non-Interest Revenue	8,937			3,522			1,773			500			5,438			3,385			3,240			83	%	14,232			12,063			(15	)%
Total Revenues, Net of Interest Expense	12,200			6,701			4,891			3,317			8,003			5,955			5,593			14	%	23,792			19,551			(18	)%
Total Operating Expenses	2,821			3,277			3,503			3,483			3,397			3,938			3,566			2	%	9,601			10,901			14	%
Net Credit Losses	74			172			294			202			101			42			288			(2	)%	540			431			(20	)%
Provision for Unfunded Lending Commitments	32			83			—			23			(7		)	(22		)	1			—		115			(28		)	NM
Credit Reserve Build / (Release)	314			604			171			(197		)	(162		)	(196		)	(8		)	NM		1,089			(366		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	420			859			465			28			(68		)	(176		)	281			(40	)%	1,744			37			(98	)%
Income (loss) from Continuing Operations before Taxes	8,959			2,565			923			(194		)	4,674			2,193			1,746			89	%	12,447			8,613			(31	)%
Income Taxes (benefits)	2,823			727			76			(558		)	1,468			508			339			NM		3,626			2,315			(36	)%
Income from Continuing Operations	6,136			1,838			847			364			3,206			1,685			1,407			66	%	8,821			6,298			(29	)%
Net Income Attributable to Minority Interests	1			—			18			36			21			15			29			61	%	19			65			NM
Net Income	$	6,135		$	1,838		$	829		$	328		$	3,185		$	1,670		$	1,378		66	%	$	8,802		$	6,233		(29	)%
Average Assets (in billions of dollars)	771			776			788			811			861			877			869			10	%	778			869			12	%
Return on Assets	3.23		%	0.95		%	0.42		%	0.16		%	1.50		%	0.76		%	0.63		%			1.51		%	0.96		%

Revenue Details:
Investment Banking:
Advisory (1)	$	227		$	130		$	186		$	211		$	198		$	88		$	237		27	%	$	543		$	523		(4	)%
Equity Underwriting	143			279			258			705			224			157			152			(41	)%	680			533			(22	)%
Debt Underwriting	613			752			720			543			635			429			541			(25	)%	2,085			1,605			(23	)%
Total Investment Banking	983			1,161			1,164			1,459			1,057			674			930			(20	)%	3,308			2,661			(20	)%
Lending	(363		)	(1,104		)	(794		)	(219		)	243			522			(18		)	98	%	(2,261		)	747			NM
Equity Markets	1,605			1,101			446			31			1,213			652			1,040			NM		3,152			2,905			(8	)%
Fixed Income Markets	10,023			5,569			4,024			1,680			5,380			3,713			3,501			(13	)%	19,616			12,594			(36	)%
Private Bank	504			481			522			561			494			512			497			(5	)%	1,507			1,503			—
Other Securities and Banking	(552		)	(507		)	(471		)	(195		)	(384		)	(118		)	(357		)	24	%	(1,530		)	(859		)	44	%
Total Securities and Banking Revenues	$	12,200		$	6,701		$	4,891		$	3,317		$	8,003		$	5,955		$	5,593		14	%	$	23,792		$	19,551		(18	)%

Credit Valuation Adjustment (CVA) {included in lines above}	2,646			(937		)	(1,758		)	(1,908		)	285			255			99			NM		(49		)	639			NM
Total Revenues Excluding CVA	$	9,554		$	7,638		$	6,649		$	5,225		$	7,718		$	5,700		$	5,494		(17	)%	$	23,841		$	18,912		(21	)%

(1) Certain of Citigroup’s Advisory activities are included within the Citi Holdings segment.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
INSTITUTIONAL CLIENTS GROUP
TRANSACTION SERVICES
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	1,406		$	1,455		$	1,393		$	1,397		$	1,388		$	1,398		$	1,433		3	%	$	4,254		$	4,219		(1	)%
Non-Interest Revenue	968			1,028			1,064			1,078			1,049			1,104			1,102			4	%	3,060			3,255			6	%
Total Revenues, Net of Interest Expense	2,374			2,483			2,457			2,475			2,437			2,502			2,535			3	%	7,314			7,474			2	%
Total Operating Expenses	1,074			1,088			1,141			1,212			1,151			1,170			1,230			8	%	3,303			3,551			8	%
Net Credit Losses	3			(3		)	(2		)	5			1			1			1			NM		(2		)	3			NM
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—		—			—			—
Credit Reserve Build / (Release)	(2		)	8			(5		)	3			(18		)	(35		)	(16		)	NM		1			(69		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	1			5			(7		)	8			(17		)	(34		)	(15		)	NM		(1		)	(66		)	NM
Income (loss) from Continuing Operations before Taxes	1,299			1,390			1,323			1,255			1,303			1,366			1,320			—		4,012			3,989			(1	)%
Income Taxes	395			416			384			336			362			432			395			3	%	1,195			1,189			(1	)%
Income from Continuing Operations	904			974			939			919			941			934			925			(1	)%	2,817			2,800			(1	)%
Net Income Attributable to Minority Interests	(4		)	3			5			9			5			5			5			—		4			15			NM
Net Income	$	908		$	971		$	934		$	910		$	936		$	929		$	920		(1	)%	$	2,813		$	2,785		(1	)%
Average Assets (in billions of dollars)	$	58		$	59		$	60		$	61		$	64		$	67		$	72		20	%	$	59		$	68		15	%
Return on Assets	6.35		%	6.60		%	6.18		%	5.92		%	5.93		%	5.56		%	5.07		%			6.37		%	5.48		%

Revenue Details
Treasury and Trade Solutions	$	1,750		$	1,793		$	1,794		$	1,764		$	1,781		$	1,805		$	1,846		3	%	5,337			5,432			2	%
Securities and Fund Services	624			690			663			711			656			697			689			4	%	1,977			2,042			3	%
Total	$	2,374		$	2,483		$	2,457		$	2,475		$	2,437		$	2,502		$	2,535		3	%	$	7,314		$	7,474		2	%

Average Deposits and Other Customer Liability Balances (in billions)
North America	$	76		73			81			85			$	72		74			81			—
EMEA	97			100			104			110			106			106			111			7	%
Latin America	17			18			20			24			26			25			26			30	%
Asia	88			97			109			116			115			115			122			12	%
Total	$	278		$	288		$	314		$	335		$	319		$	320		$	340		8	%

EOP Assets Under Custody (in trillions of dollars)	$	10.5		$	11.4		$	12.1		$	12.1		$	11.8		$	11.3		$	12.4		2	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
North America
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	3,143		$	3,186		$	3,081		$	2,984		$	4,554		$	4,367		$	4,022		31	%	$	9,410		$	12,943		38	%
Non-Interest Revenue	4,965			1,373			880			323			3,439			2,589			2,541			NM		7,218			8,569			19	%
Total Revenues, Net of Interest Expense (1)	8,108			4,559			3,961			3,307			7,993			6,956			6,563			66	%	16,628			21,512			29	%
Total Operating Expenses	3,050			3,462			3,295			3,386			3,454			3,534			3,352			2	%	9,807			10,340			5	%
Net Credit Losses	488			352			363			330			2,232			2,144			2,240			NM		1,203			6,616			NM
Credit Reserve Build / (Release)	290			238			132			2			(25		)	(72		)	215			63	%	660			118			(82	)%
Provision Unfunded Lending Commitments	32			83			—			5			(1		)	(20		)	(5		)	—		115			(26		)	NM
Provision for Benefits & Claims	13			15			14			8			7			5			6			(57	)%	42			18			(57	)%
Provision for Credit Losses and for Benefits and Claims	823			688			509			345			2,213			2,057			2,456			NM		2,020			6,726			NM
Income from Continuing Operations before Taxes	4,235			409			157			(424		)	2,326			1,365			755			NM		4,801			4,446			(7	)%
Income Taxes	1,243			121			(208		)	(509		)	721			298			21			NM		1,156			1,040			(10	)%
Income from Continuing Operations	2,992			288			365			85			1,605			1,067			734			NM		3,645			3,406			(7	)%
Net Income Attributable to Minority Interests	(5		)	(6		)	16			24			5			1			14			(13	)%	5			20			NM
Net Income	$	2,997		$	294		$	349		$	61		$	1,600		$	1,066		$	720		NM		$	3,640		$	3,386		(7	)%
Average Assets (in billions of dollars)	$	452		$	432		$	464		$	447		$	563		$	561		$	537		16	%	$	449		$	554		23	%
Return on Assets	2.69		%	0.27		%	0.30		%	0.05		%	1.15		%	0.76		%	0.53		%			1.08		%	0.82		%

Revenue by Business
Retail Banking	$	1,296		$	1,376		$	1,333		$	1,232		$	1,280		$	1,323		$	1,372		3	%	$	4,005		$	3,975		(1	)%
Citi-Branded Cards	1,207			806			684			642			2,521			2,370			2,368			NM		2,697			7,259			NM
Regional Consumer Banking	2,503			2,182			2,017			1,874			3,801			3,693			3,740			85	%	6,702			11,234			68	%
Securities and Banking	5,016			1,721			1,301			795			3,553			2,627			2,203			69	%	8,038			8,383			4	%
Transaction Services	589			656			643			638			639			636			620			(4	)%	1,888			1,895			—
Total GAAP Revenues	8,108			4,559			3,961			3,307			7,993			6,956			6,563			66	%	16,628			21,512			29	%
Net Impact of Credit Card Securitization Activity (1)	1,484			1,644			1,800			1,744			—			—			—			NM		4,928			—			NM
Total Managed Revenues	$	9,592		$	6,203		$	5,761		$	5,051		$	7,993		$	6,956		$	6,563		14	%	$	21,556		$	21,512		—

GAAP Net Credit Losses	$	488		$	352		$	363		$	330		$	2,232		$	2,144		$	2,240		NM		$	1,203		$	6,616		NM
Impact of Credit Card Securitization Activity (1)	1,491			1,837			1,876			1,727			—			—			—			NM		5,204			—			NM
Total Managed Net Credit Losses	$	1,979		$	2,189		$	2,239		$	2,057		$	2,232		$	2,144		$	2,240		—		$	6,407		$	6,616		3	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	241		$	242		$	193		$	129		$	184		$	225		$	189		(2	)%	$	676		$	598		(12	)%
Citi-Branded Cards	116			(103		)	13			(101		)	(162		)	(163		)	(42		)	NM		26			(367		)	NM
Regional Consumer Banking	357			139			206			28			22			62			147			(29	)%	702			231			(67	)%
Securities and Banking	2,497			(32		)	7			(87		)	1,424			839			456			NM		2,472			2,719			10	%
Transaction Services	138			181			152			144			159			166			131			(14	)%	471			456			(3	)%
Total	$	2,992		$	288		$	365		$	85		$	1,605		$	1,067		$	734		NM		$	3,645		$	3,406		(7	)%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

NM Not meaningful
Reclassified to conform to the current period’s presentation.

CITICORP

EMEA

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	1,495		$	1,427		$	1,430		$	1,332		$	1,174		$	1,203		$	1,215		(15	)%	$	4,352		$	3,592		(17	)%
Non-Interest Revenue	3,931			2,385			2,032			961			2,579			1,783			1,702			(16	)%	8,348			6,064			(27	)%
Total Revenues, Net of Interest Expense	5,426			3,812			3,462			2,293			3,753			2,986			2,917			(16	)%	12,700			9,656			(24	)%
Total Operating Expenses	1,495			1,576			1,863			1,751			1,760			2,059			1,806			(3	)%	4,934			5,625			14	%
Net Credit Losses	149			251			346			328			116			94			82			(76	)%	746			292			(61	)%
Credit Reserve Build / (Release)	107			655			87			(50		)	(174		)	(165		)	(150		)	NM		849			(489		)	NM
Provision Unfunded Lending Commitments	—			—			—			19			(6		)	(5		)	6			—		—			(5		)	—
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	256			906			433			297			(64		)	(76		)	(62		)	NM		1,595			(202		)	NM
Income from Continuing Operations before Taxes	3,675			1,330			1,166			245			2,057			1,003			1,173			1	%	6,171			4,233			(31	)%
Income Taxes	1,211			344			331			26			692			280			341			3	%	1,886			1,313			(30	)%
Income from Continuing Operations	2,464			986			835			219			1,365			723			832			—		4,285			2,920			(32	)%
Net Income Attributable to Minority Interests	1			8			8			20			20			17			17			NM		17			54			NM
Net Income	$	2,463		$	978		$	827		$	199		$	1,345		$	706		$	815		(1	)%	$	4,268		$	2,866		(33	)%
Average Assets (in billions of dollars)	$	227		$	241		$	223		$	242		$	225		$	228		$	238		7	%	$	230		$	230		0	%
Return on Assets	4.40		%	1.63		%	1.47		%	0.33		%	2.42		%	1.24		%	1.36		%			2.48		%	1.67		%

Revenue by Business
Retail Banking	$	205		$	234		$	237		$	213		$	222		$	205		$	186		(22	)%	$	676		$	613		(9	)%
Citi-Branded Cards	155			160			178			173			183			171			163			(8	)%	493			517			5	%
Regional Consumer Banking	360			394			415			386			405			376			349			(16	)%	$	1,169		$	1,130		(3	)%
Securities and Banking	4,222			2,558			2,202			1,067			2,515			1,762			1,733			(21	)%	8,982			6,010			(33	)%
Transaction Services	844			860			845			840			833			848			835			(1	)%	2,549			2,516			(1	)%
Total	$	5,426		$	3,812		$	3,462		$	2,293		$	3,753		$	2,986		$	2,917		(16	)%	$	12,700		$	9,656		(24	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(41	)	$	(76	)	$	(23	)	$	(39	)	$	(6	)	$	9		$	(18	)	22	%	$	(140	)	$	(15	)	89	%
Citi-Branded Cards	8			(34		)	—			(4		)	33			41			40			—		(26		)	114			NM
Regional Consumer Banking	(33		)	(110		)	(23		)	(43		)	27			50			22			NM		$	(166	)	$	99		NM
Securities and Banking	2,171			746			550			(41		)	1,032			355			505			(8	)%	3,467			1,892			(45	)%
Transaction Services	326			350			308			303			306			318			305			(1	)%	984			929			(6	)%
Total	$	2,464		$	986		$	835		$	219		$	1,365		$	723		$	832		—		$	4,285		$	2,920		(32	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

LATIN AMERICA

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	1,871		$	2,069		$	2,133		$	2,118		$	2,189		$	2,176		$	2,248		5	%	$	6,073		$	6,613		9	%
Non-Interest Revenue	1,196			1,270			880			1,174			838			856			1,008			15	%	3,346			2,702			(19	)%
Total Revenues, Net of Interest Expense	3,067			3,339			3,013			3,292			3,027			3,032			3,256			8	%	9,419			9,315			(1	)%
Total Operating Expenses	1,271			1,421			1,475			1,670			1,479			1,652			1,671			13	%	4,167			4,802			15	%
Net Credit Losses	468			611			651			631			511			471			452			(31	)%	1,730			1,434			(17	)%
Credit Reserve Build / (Release)	273			196			210			(20		)	(153		)	(256		)	(353		)	NM		679			(762		)	NM
Provision Unfunded Lending Commitments	—			—			—			(2		)	—			—			—			—		—			—			—
Provision for Benefits & Claims	29			27			29			29			36			22			32			10	%	85			90			6	%
Provision for Credit Losses and for Benefits and Claims	770			834			890			638			394			237			131			(85	)%	2,494			762			(69	)%
Income from Continuing Operations before Taxes	1,026			1,084			648			984			1,154			1,143			1,454			NM		2,758			3,751			36	%
Income Taxes	235			291			204			347			336			302			459			NM		730			1,097			50	%
Income from Continuing Operations	791			793			444			637			818			841			995			NM		2,028			2,654			31	%
Net Income Attributable to Minority Interests	—			—			—			(1		)	(5		)	1			(2		)	—		—			(6		)	—
Net Income	$	791		$	793		$	444		$	638		$	823		$	840		$	997		NM		$	2,028		$	2,660		31	%
Average Assets (in billions of dollars)	$	127		$	140		$	141		$	144		$	146		$	150		$	151		7	%	$	136		$	149		10	%
Return on Assets	2.53		%	2.27		%	1.25		%	1.76		%	2.29		%	2.25		%	2.62		%			1.99		%	2.39		%

Revenue by Business
Retail Banking	$	1,026		$	1,112		$	1,114		$	1,183		$	1,196		$	1,236		$	1,300		17	%	$	3,252		$	3,732		15	%
Citi-Branded Cards	898			838			857			889			880			882			933			9	%	2,593			2,695			4	%
Regional Consumer Banking	1,924			1,950			1,971			2,072			2,076			2,118			2,233			13	%	$	5,845		$	6,427		10	%
Securities and Banking	800			1,049			705			867			607			558			639			(9	)%	2,554			1,804			(29	)%
Transaction Services	343			340			337			353			344			356			384			14	%	1,020			1,084			6	%
Total	$	3,067		$	3,339		$	3,013		$	3,292		$	3,027		$	3,032		$	3,256		8	%	$	9,419		$	9,315		(1	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	230		$	196		$	154		$	169		$	256		$	275		$	277		80	%	$	580		$	808		39	%
Citi-Branded Cards	(11		)	(80		)	(77		)	(56		)	133			216			281			NM		(168		)	630			NM
Regional Consumer Banking	219			116			77			113			389			491			558			NM		$	412		$	1,438		NM
Securities and Banking	412			527			219			378			272			197			266			21	%	1,158			735			(37	)%
Transaction Services	160			150			148			146			157			153			171			16	%	458			481			5	%
Total	$	791		$	793		$	444		$	637		$	818		$	841		$	995		NM		$	2,028		$	2,654		31	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

ASIA

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	2,002		$	2,092		$	2,083		$	1,986		$	1,953		$	1,996		$	1,990		(4	)%	$	6,177		$	5,939		(4	)%
Non-Interest Revenue	2,324			1,583			949			1,054			1,796			1,519			1,563			65	%	4,856			4,878			—
Total Revenues, Net of Interest Expense	4,326			3,675			3,032			3,040			3,749			3,515			3,553			17	%	11,033			10,817			(2	)%
Total Operating Expenses	1,583			1,609			1,789			1,944			1,792			1,845			2,054			15	%	4,981			5,691			14	%
Net Credit Losses	146			361			374			306			283			256			246			(34	)%	881			785			(11	)%
Credit Reserve Build / (Release)	328			142			93			32			(8		)	(146		)	(139		)	NM		563			(293		)	NM
Provision Unfunded Lending Commitments	—			—			—			1			—			(1		)	—			—		—			(1		)	—
Provision for Benefits & Claims	—			—			—			—			1			—			—			—		—			1			—
Provision for Credit Losses and for Benefits and Claims	474			503			467			339			276			109			107			(77	)%	1,444			492			(66	)%
Income from Continuing Operations before Taxes	2,269			1,563			776			757			1,681			1,561			1,392			79	%	4,608			4,634			1	%
Income Taxes (benefits)	685			394			(70		)	(144		)	308			396			389			NM		1,009			1,093			8	%
Income from Continuing Operations	1,584			1,169			846			901			1,373			1,165			1,003			19	%	3,599			3,541			(2	)%
Net Income Attributable to Minority Interests	1			1			1			—			1			1			1			—		3			3			—
Net Income	$	1,583		$	1,168		$	845		$	901		$	1,372		$	1,164		$	1,002		19	%	$	3,596		$	3,538		(2	)%
Average Assets (in billions of dollars)	$	252		$	261		$	268		$	292		$	299		$	311		$	326		22	%	$	260		$	312		20	%
Return on Assets	2.55		%	1.79		%	1.25		%	1.22		%	1.86		%	1.50		%	1.22		%			1.85		%	1.52		%

Revenue by Business
Retail Banking	$	1,010		$	1,067		$	1,076		$	1,128		$	1,116		$	1,152		$	1,147		7	%	$	3,153		$	3,415		8	%
Citi-Branded Cards	556			608			641			680			684			693			692			8	%	1,805			2,069			15	%
Regional Consumer Banking	1,566			1,675			1,717			1,808			1,800			1,845			1,839			7	%	$	4,958		$	5,484		11	%
Securities and Banking	2,162			1,373			683			588			1,328			1,008			1,018			49	%	4,218			3,354			(20	)%
Transaction Services	598			627			632			644			621			662			696			10	%	1,857			1,979			7	%
Total	$	4,326		$	3,675		$	3,032		$	3,040		$	3,749		$	3,515		$	3,553		17	%	$	11,033		$	10,817		(2	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	220		$	273		$	374		$	351		$	414		$	375		$	330		(12	)%	$	867		$	1,119		29	%
Citi-Branded Cards	28			6			70			110			162			199			175			NM		104			536			NM
Regional Consumer Banking	248			279			444			461			576			574			505			14	%	$	971		$	1,655		70	%
Securities and Banking	1,056			597			71			114			478			294			180			NM		1,724			952			(45	)%
Transaction Services	280			293			331			326			319			297			318			(4	)%	904			934			3	%
Total	$	1,584		$	1,169		$	846		$	901		$	1,373		$	1,165		$	1,003		19	%	$	3,599		$	3,541		(2	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

STATEMENT OF INCOME AND BALANCE SHEET DATA

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Revenues
Net interest revenue	$	5,057		$	4,162		$	3,732		$	3,188		$	4,375		$	3,971		$	3,519		(6	)%	12,951			11,865			(8	)%
Non-interest revenue	(1,963		)	11,163			2,518			1,271			2,175			948			334			(87	)%	11,718			3,457			(70	)%
Total revenues, net of interest expense	3,094			15,325			6,250			4,459			6,550			4,919			3,853			(38	)%	24,669			15,322			(38	)%

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	6,027			6,781			6,234			5,543			5,241			4,998			4,640			(26	)%	19,042			14,879			(22	)%
Credit Reserve Build / (Release)	1,637			2,645			281			742			340			(800		)	(1,567		)	NM		4,563			(2,027		)	NM
Provision for loan losses	7,664			9,426			6,515			6,285			5,581			4,198			3,073			(53	)%	23,605			12,852			(46	)%
Provision for Benefits & Claims	290			267			280			257			243			185			189			(33	)%	837			617			(26	)%
Provision for unfunded lending commitments	28			52			—			26			(26		)	(45		)	26			—		80			(45		)	NM
Total provisions for credit losses and for benefits and claims	7,982			9,745			6,795			6,568			5,798			4,338			3,288			(52	)%	24,522			13,424			(45	)%

Total operating expenses	4,185			3,609			2,962			3,008			2,574			2,424			2,209			(25	)%	10,756			7,207			(33	)%

Income (Loss) from Continuing Operations before Income Taxes	(9,073		)	1,971			(3,507		)	(5,117		)	(1,822		)	(1,843		)	(1,644		)	53	%	(10,609		)	(5,309		)	50	%
Provision (benefits) for income taxes	(3,588		)	789			(1,513		)	(2,566		)	(946		)	(646		)	(590		)	61	%	(4,312		)	(2,182		)	49	%

Income (Loss) from Continuing Operations	(5,485		)	1,182			(1,994		)	(2,551		)	(876		)	(1,197		)	(1,054		)	47	%	(6,297		)	(3,127		)	50	%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(11		)	(37		)	49			28			11			8			80			63	%	1			99			NM
Citi Holding’s Net Income (Loss)	$	(5,474	)	$	1,219		$	(2,043	)	$	(2,579	)	$	(887	)	$	(1,205	)	$	(1,134	)	44	%	$	(6,298	)	$	(3,226	)	49	%

Balance Sheet Data (in billions):

Total EOP Assets	$	599		$	582		$	556		$	487		$	503		$	465		$	421		(24	)%

Total EOP Deposits	$	85		$	84		$	87		$	89		$	86		$	82		$	82		(6	)%

Total GAAP Revenues	$	3,094		$	15,325		$	6,250		$	4,459		$	6,550		$	4,919		$	3,853		(38	)%	$	24,669		$	15,322		(38	)%
Net Impact of Credit Card Securitization Activity (1)	968			1,482			952			733			—			—			—			NM		3,402			—			NM
Total Managed Revenues	$	4,062		$	16,807		$	7,202		$	5,192		$	6,550		$	4,919		$	3,853		(47	)%	$	28,071		$	15,322		(45	)%

GAAP Net Credit Losses	$	6,027		$	6,781		$	6,234		$	5,543		$	5,241		$	4,998		$	4,640		(26	)%	$	19,042		$	14,879		(22	)%
Impact of Credit Card Securitization Activity (1)	1,057			1,278			1,137			1,118			—			—			—			NM		3,472			—			NM
Total Managed Net Credit Losses	$	7,084		$	8,059		$	7,371		$	6,661		$	5,241		$	4,998		$	4,640		(37	)%	$	22,514		$	14,879		(34	)%

(1)		Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

NM Not meaningful
Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
BROKERAGE AND ASSET MANAGEMENT
(In millions of dollars)

	1Q 2009			2Q 2009		3Q 2009			4Q 2009			1Q 2010			2Q 2010			3Q 2010			3Q10 vs. 3Q09 Increase/ (Decrease)		Nine Months 2009		Nine Months 2010			YTD 2010 vs. YTD 2009 Increase/ (Decrease)

Net Interest Revenue	$	364		$	162	$	(82	)	$	(54	)	$	(65	)	$	(71	)	$	(87	)	(6	)%	$	444	$	(223	)	NM
Non-Interest Revenue	1,243			12,058		607			325			405			212			79			(87	)%	13,908		696			(95	)%
Total Revenues, Net of Interest Expense	1,607			12,220		525			271			340			141			(8		)	NM		14,352		473			(97	)%
Total Operating Expenses	1,499			1,044		307			291			265			258			221			(28	)%	2,850		744			(74	)%
Net Credit Losses	—			—		1			—			11			1			2			100	%	1		14			NM
Credit Reserve Build / (Release)	43			3		(11		)	1			(7		)	(3		)	(4		)	64	%	35		(14		)	NM
Provision for Benefits & Claims	11			8		8			13			9			9			9			13	%	27		27			—
Provision for Unfunded Lending Commitments	—			—		—			(5		)	—			(6		)	—			—		—		(6		)	—
Provision for Loan Losses and for Benefits and Claims	54			11		(2		)	9			13			1			7			NM		63		21			(67	)%
Income (loss) from Continuing Operations before Taxes	54			11,165		220			(29		)	62			(118		)	(236		)	NM		11,439		(292		)	NM
Income Taxes (benefits)	20			4,390		130			(67		)	(19		)	(30		)	(89		)	NM		4,540		(138		)	NM
Income (loss) from Continuing Operations	34			6,775		90			38			81			(88		)	(147		)	NM		6,899		(154		)	NM
Net Income (loss) Attributable to Minority Interests	(17		)	6		16			7			(5		)	7			6			(63	)%	5		8			60	%
Net Income (Loss)	$	51		$	6,769	$	74		$	31		$	86		$	(95	)	$	(153	)	NM		$	6,894	$	(162	)	NM
EOP Assets (in billions of dollars)	$	47		$	51	$	54		$	30		$	31		$	30		$	28		(48	)%

EOP Assets Reflecting the Sale of Nikko Cordial Securities (in billions of dollars)	$	28		$	32	$	32		$	30		$	31		$	30		$	28		(13	)%

EOP Deposits (in billions of dollars)	$	59		$	56	$	60		$	60		$	59		$	57		$	57		(5	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
LOCAL CONSUMER LENDING
Page 1
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	3,704		$	3,185		$	3,272		$	2,834		$	4,020		$	3,688		$	3,383		3	%	$	10,161		$	11,091		9	%
Non-Interest Revenue	2,317			296			1,090			1,067			650			518			164			(85	)%	3,703			1,332			(64	)%
Total Revenues, Net of Interest Expense (1)	6,021			3,481			4,362			3,901			4,670			4,206			3,547			(19	)%	13,864			12,423			(10	)%
Total Operating Expenses	2,470			2,376			2,442			2,511			2,178			2,046			1,872			(23	)%	7,288			6,096			(16	)%
Net Credit Losses	4,517			5,144			4,912			4,612			4,938			4,535			3,949			(20	)%	14,573			13,422			(8	)%
Credit Reserve Build / (Release)	1,562			2,784			577			876			386			(421		)	(953		)	NM		4,923			(988		)	NM
Provision for Benefits & Claims	279			259			272			244			234			176			180			(34	)%	810			590			(27	)%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	6,358			8,187			5,761			5,732			5,558			4,290			3,176			(45	)%	20,306			13,024			(36	)%
Income (loss) from Continuing Operations before Taxes	(2,807		)	(7,082		)	(3,841		)	(4,342		)	(3,066		)	(2,130		)	(1,501		)	61	%	(13,730		)	(6,697		)	51	%
Income Taxes (benefits)	(1,236		)	(2,735		)	(1,699		)	(1,986		)	(1,228		)	(900		)	(674		)	60	%	(5,670		)	(2,802		)	51	%
Income (loss) from Continuing Operations	(1,571		)	(4,347		)	(2,142		)	(2,356		)	(1,838		)	(1,230		)	(827		)	61	%	(8,060		)	(3,895		)	52	%
Net Income (loss) Attributable to Minority Interests	6			5			13			9			—			7			—			(100	)%	24			7			(71	)%
Net Income (Loss)	$	(1,577	)	$	(4,352	)	$	(2,155	)	$	(2,365	)	$	(1,838	)	$	(1,237	)	$	(827	)	62	%	$	(8,084	)	$	(3,902	)	52	%
Average Assets (in billions of dollars)	$	368		$	358		$	345		$	333		$	355		$	333		$	317		(8	)%	$	357		$	335		(6	)%
EOP Assets (in billions of dollars)	$	359		$	351		$	339		$	321		$	346		$	323		$	298		(12	)%	$	351		$	323

Net Credit Losses as a % of Average Loans	5.74		%	6.74		%	6.59		%	6.47		%	6.30		%	6.03		%	6.31		%

Revenue by Business
International	$	2,024		$	689		$	852		$	424		$	335		$	444		$	500		(41	)%	$	3,565		$	1,279		(64	)%
Retail Partner Cards	1,527			789			1,441			1,682			2,206			2,113			2,060			43	%	3,757			6,379			70	%
North America (ex Cards)	2,470			2,003			2,069			1,795			2,129			1,649			987			(52	)%	6,542			4,765			(27	)%
Total GAAP Revenues	6,021			3,481			4,362			3,901			4,670			4,206			3,547			(19	)%	13,864			12,423			(10	)%
Net Impact of Credit Cards Securitization Activity (2)	968			1,482			952			733			—			—			—			NM		3,402			—			NM
Total Managed Revenues	$	6,989		$	4,963		$	5,314		$	4,634		$	4,670		$	4,206		$	3,547		(33	)%	$	17,266		$	12,423		(28	)%

Net Credit Losses by Business
International	$	818		$	962		$	957		$	784		$	612		$	495		$	444		(54	)%	$	2,737		$	1,551		(43	)%
Retail Partner Cards	901			872			867			845			1,932			1,775			1,505			74	%	2,640			5,212			97	%
North America (ex Cards)	2,798			3,310			3,088			2,983			2,394			2,265			2,000			(35	)%	9,196			6,659			(28	)%
Total GAAP NCLs	4,517			5,144			4,912			4,612			4,938			4,535			3,949			(20	)%	14,573			13,422			(8	)%
Impact of Credit Cards Securitization Activity (2)	1,057			1,278			1,137			1,118			—			—			—			NM		3,472			—			NM
Total Managed Net Credit Losses	$	5,574		$	6,422		$	6,049		$	5,730		$	4,938		$	4,535		$	3,949		(35	)%	$	18,045		$	13,422		(26	)%

(1) For Retail Partner Cards, the first quarter of 2009 and the fourth quarter of 2009 include releases of approximately $213 million and $275 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.

(2) Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
LOCAL CONSUMER LENDING - Page 2
(In millions of dollars, except branches)

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

International Key Indicators
Branches	799			744			606			540			539			537			537			(11	)%
Average Loans (in billions of dollars) (2)	$	39.3		$	39.7		$	38.8		$	35.6		$	30.0		$	26.1		$	25.0		(36	)%
EOP Loans (2):
Real Estate Lending	$	9.2		$	9.8		$	9.5		$	9.2		$	7.8		$	7.0		$	7.0		(26	)%
Cards	10.8			11.5			9.6			8.3			7.0			6.2			6.5			(32	)%
Commercial Markets	1.1			1.2			1.2			1.1			1.1			0.9			1.0			(17	)%
Personal and Other	17.3			17.0			16.2			13.7			11.8			10.5			10.2			(37	)%
EOP Loans (in billions of dollars)	$	38.4		$	39.5		$	36.5		$	32.3		$	27.7		$	24.6		$	24.7		(32	)%
Net Interest Revenue	$	830		$	689		$	791		$	521		$	465		$	390		$	396		(50	)%
As a % of Average Loans	8.57		%	6.96		%	8.09		%	5.81		%	6.29		%	5.99		%	6.28		%
Net Credit Losses	$	818		$	962		$	957		$	784		$	612		$	495		$	444		(54	)%
As a % of Average Loans	8.44		%	9.72		%	9.79		%	8.74		%	8.27		%	7.61		%	7.05		%
Loans 90+ Days Past Due	$	1,380		$	1,551		$	1,465		$	1,362		$	953		$	724		$	713		(51	)%
As a % of EOP Loans	3.59		%	3.93		%	4.01		%	4.22		%	3.44		%	2.94		%	2.89		%
Loans 30-89 Days Past Due	$	1,964		$	1,845		$	1,733		$	1,482		$	1,059		$	939		$	978		(44	)%
As a % of EOP Loans	5.11		%	4.67		%	4.75		%	4.59		%	3.82		%	3.82		%	3.96		%

North America Key Indicators - Retail Partner Cards (1)
EOP Open Accounts (in millions)	107.6			105.7			100.5			99.8			95.1			92.4			90.8			(10	)%
Purchase Sales (in billions of dollars)	$	23.4		$	26.7		$	25.8		$	26.9		$	18.7		$	21.4		$	20.1		(22	)%

Average Managed Loans (in billions of dollars) (2)
Off-Balance Sheet	$	36.3		$	38.5		$	37.3		$	36.3		$	—		$	—		$	—		(100	)%
Held for Sale	—			—			—			—			—			—			—			—
On Balance Sheet	30.0			25.0			25.0			24.5			57.1			53.1			48.8			95	%
Total	$	66.3		$	63.5		$	62.3		$	60.8		$	57.1		$	53.1		$	48.8		(22	)%
EOP Managed Loans (in billions of dollars) (2)	$	64.0		$	63.3		$	61.1		$	60.6		$	54.5		$	50.2		$	46.0		(25	)%
Managed Average Yield (3)	16.85		%	17.81		%	17.80		%	17.87		%	18.27		%	18.31		%	18.53		%
Managed Net Interest Revenue (4)	$	2,277		$	2,271		$	2,337		$	2,234		$	2,044		$	1,989		$	1,878		(20	)%
As a % of Avg. Managed Loans	13.93		%	14.34		%	14.88		%	14.58		%	14.52		%	15.02		%	15.27		%
Managed Net Credit Losses	$	1,958		$	2,150		$	2,004		$	1,963		$	1,932		$	1,775		$	1,505		(25	)%
As a % of Avg. Managed Loans	11.98		%	13.58		%	12.76		%	12.81		%	13.72		%	13.41		%	12.24		%
Managed Net Credit Margin (5)	$	507		$	90		$	362		$	427		$	254		$	318		$	536		48	%
As a % of Avg. Managed Loans	3.10		%	0.57		%	2.31		%	2.79		%	1.80		%	2.40		%	4.36		%
Managed Loans 90+ Days Past Due	$	2,791		$	2,590		$	2,587		$	2,681		$	2,385		$	2,004		$	1,749		(32	)%
As a % of EOP Managed Loans	4.36		%	4.09		%	4.23		%	4.42		%	4.38		%	3.99		%	3.80		%
Managed Loans 30-89 Days Past Due	$	2,826		$	2,749		$	2,911		$	2,674		$	2,374		$	2,150		$	1,972		(32	)%
As a % of EOP Managed Loans	4.42		%	4.34		%	4.76		%	4.41		%	4.36		%	4.28		%	4.29		%

(2) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(3) Managed Average Yield is gross interest revenue earned divided by average managed loans.

(4) Managed Net Interest Revenue includes certain fees that are recorded as interest revenue.

(5) Managed Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
LOCAL CONSUMER LENDING - Page 3
(In millions of dollars, except branches)

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

North America Key Indicators (ex Cards) (1)
Branches	2,341			2,332			2,300			2,261			2,250			2,218			1,842			(20	)%
Average Loans (in billions of dollars)	$	249.8		$	241.2		$	231.7		$	222.9		$	230.9		$	222.5		$	174.6		(25	)%
EOP Loans (in billions of dollars)	$	245.8		$	236.2		$	227.4		$	218.5		$	226.7		$	211.5		$	167.1		(27	)%
Net Interest Revenue	$	1,990		$	1,685		$	1,577		$	1,500		1,511			1,309			1,109			(30	)%
As a % of Average Loans	3.23		%	2.80		%	2.70		%	2.67		%	2.65		%	2.36		%	2.52		%
Net Credit Losses	$	2,798		$	3,310		$	3,088		$	2,983		$	2,394		$	2,265		$	2,000		(35	)%
As a % of Average Loans	4.54		%	5.50		%	5.29		%	5.31		%	4.20		%	4.08		%	4.54		%
Loans 90+ Days Past Due (2) (3)	$	11,307		$	11,728		$	14,071		$	14,414		$	13,470		$	11,643		$	9,362		(33	)%
As a % of EOP Loans	4.74		%	5.16		%	6.42		%	6.89		%	6.27		%	5.84		%	6.03		%
Loans 30-89 Days Past Due (2) (3)	$	9,340		$	9,777		$	10,204		$	9,949		$	8,803		$	8,112		$	7,458		(27	)%
As a % of EOP Loans	3.91		%	4.30		%	4.66		%	4.76		%	4.10		%	4.07		%	4.81		%

KEY INDICATORS:

Residential Real Estate Lending
Average Loans (in billions of dollars)	$	172.6		$	166.2		$	158.9		$	152.7		$	149.3		$	144.0		$	135.9		(14	)%
EOP Loans (in billions of dollars)	$	169.7		$	162.2		$	155.7		$	149.5		$	146.6		$	138.5		$	131.5		(16	)%
Third Party Mortgage Serv Portfolio (EOP, in billions)	$	435.0		$	404.4		$	385.0		$	364.6		$	341.4		$	327.6		$	307.7		(20	)%
Net Servicing & Gain/(Loss) on Sale	$	(12.4	)	$	(183.9	)	$	(122.4	)	$	(150.2	)	$	69.6		$	180.7		$	80.8		NM
Net Interest Revenue on Loans	$	753		$	556		$	500		$	487		$	547		$	428		$	408		(18	)%
As a % of Avg. Loans	1.77		%	1.34		%	1.25		%	1.27		%	1.49		%	1.19		%	1.19		%
Net Credit Losses	$	1,937		$	2,436		$	2,225		$	2,062		$	1,670		$	1,521		$	1,359		(39	)%
As a % of Avg. Loans	4.55		%	5.88		%	5.56		%	5.36		%	4.54		%	4.24		%	3.97		%
Loans 90+ Days Past Due (2) (3)	$	9,437		$	9,835		$	12,035		$	12,358		$	10,893		$	9,257		$	8,181		(32	)%
As a % of EOP Loans	5.80		%	6.41		%	8.16		%	8.82		%	8.09		%	7.32		%	6.84		%
Loans 30-89 Days Past Due (2) (3)	$	7,239		$	7,561		$	7,816		$	7,453		$	6,272		$	5,725		$	5,713		(27	)%
As a % of EOP Loans	4.45		%	4.93		%	5.30		%	5.32		%	4.66		%	4.53		%	4.78		%

(1) The third quarter of 2010 reflects the sale of The Student Loan Corporation to Sallie Mae and Discover. This sale is reported as discontinued operations for the third quarter of 2010 only. Prior periods were not reclassified due to the immateriality of the impact in those periods.

(2) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies.

The amounts excluded for Loans 90+Days Past Due and (EOP Loans) for each period are: $3.6 billion ($7.1 billion) and $4.3 billion ($8.7 billion), $4.9 billion ($8.3 billion), $5.4 billion ($9.0 billion), $5.2 billion ($9.0 billion), $5.0 billion ($9.4 billion) and $5.0 billion ($9.5 billion) as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period are: $0.6 billion ($7.1 billion) and $0.7 billion ($8.7 billion), $0.8 billion ($8.3 billion) $1.0 billion ($9.0 billion), $1.2 billion ($9.0 billion), $1.6 billion ($9.4 billion) and $1.7 billion ($9.5 billion) as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively.

(3) The March 31, 2010, June 30, 2010 and September 30, 2010 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion, $ 2.6 billion and $2.4 billion, respectively, of Loans that are carried at fair value.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
LOCAL CONSUMER LENDING - Page 4

North America
(In millions of dollars)

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

KEY INDICATORS:

Personal Loans
Average Loans (in billions of dollars)	$	19.0		$	18.3		$	17.8		$	16.9		$	16.1		$	15.1		$	14.4		(19	)%
EOP Loans (in billions of dollars)	$	18.4		$	18.0		$	17.4		$	16.5		$	15.6		$	14.7		$	14.3		(18	)%
Net Interest Revenue on Loans	$	733		$	689		$	685		$	649		$	625		$	584		$	566		(17	)%
As a % of Avg. Loans	15.65		%	15.10		%	15.27		%	15.24		%	15.74		%	15.51		%	15.59		%
Net Credit Losses	$	536		$	567		$	510		$	514		$	412		$	453		$	385		(25	)%
As a % of Avg. Loans	11.44		%	12.43		%	11.37		%	12.07		%	10.38		%	12.03		%	10.61		%
Loans 90+ Days Past Due	$	668		$	605		$	628		$	554		$	565		$	480		$	537		(14	)%
As a % of EOP Loans	3.63		%	3.36		%	3.61		%	3.36		%	3.62		%	3.27		%	3.76		%
Loans 30-89 Days Past Due	$	453		$	468		$	476		$	437		$	364		$	389		$	461		(3	)%
As a % of EOP Loans	2.46		%	2.60		%	2.74		%	2.65		%	2.33		%	2.65		%	3.22		%

Commercial Real Estate
Average Loans (in billions of dollars)	$	11.4		$	11.2		$	11.0		$	10.7		$	10.5		$	10.1		$	7.7		(30	)%
EOP Loans (in billions of dollars)	$	11.3		$	11.1		$	10.8		$	10.6		$	10.3		$	9.9		$	5.4		(50	)%
Net Interest Revenue on Loans	$	44		$	30		$	33		$	34		$	33		$	33		$	19		(42	)%
As a % of Avg. Loans	1.57		%	1.07		%	1.19		%	1.26		%	1.27		%	1.31		%	0.98		%
Net Credit Losses	$	6		$	39		$	67		$	94		$	64		$	93		$	61		(9	)%
As a % of Avg. Loans	0.21		%	1.40		%	2.42		%	3.49		%	2.47		%	3.69		%	3.14		%
Loans 90+ Days Past Due (1)	$	117		$	174		$	257		$	355		$	306		$	258		$	77		(70	)%
As a % of EOP Loans	1.04		%	1.57		%	2.38		%	3.35		%	2.97		%	2.61		%	1.43		%
Loans 30-89 Days Past Due (1)	$	142		$	153		$	194		$	146		$	136		$	155		$	112		(42	)%
As a % of EOP Loans	1.26		%	1.38		%	1.80		%	1.38		%	1.32		%	1.57		%	2.07		%

Student Loans, Auto and Other (2)
Average Loans (in billions of dollars)	$	46.8		$	45.5		$	44.0		$	42.6		$	55.0		$	53.3		$	16.6		(62	)%
EOP Loans (in billions of dollars)	$	46.4		$	44.9		$	43.5		$	41.9		$	54.2		$	48.4		$	15.9		(63	)%
Net Interest Revenue on Loans	$	460		$	410		$	359		$	330		$	306		$	264		$	116		(68	)%
As a % of Avg. Loans	3.99		%	3.61		%	3.24		%	3.07		%	2.26		%	1.99		%	2.77		%
Net Credit Losses	$	319		$	268		$	286		$	313		$	248		$	198		$	195		(32	)%
As a % of Avg. Loans	2.76		%	2.36		%	2.58		%	2.92		%	1.83		%	1.49		%	4.66		%
Loans 90+ Days Past Due (3)	$	1,085		$	1,114		$	1,151		$	1,147		$	1,706		$	1,648		$	567		(51	)%
As a % of EOP Loans	2.34		%	2.48		%	2.65		%	2.74		%	3.15		%	3.40		%	3.57		%
Loans 30-89 Days Past Due (3)	$	1,506		$	1,595		$	1,718		$	1,913		$	2,031		$	1,843		$	1,172		(32	)%
As a % of EOP Loans	3.25		%	3.55		%	3.95		%	4.57		%	3.75		%	3.81		%	7.37		%

(1) The third quarter of 2010 excludes approximately $153 million (90+ Days Past Due) and $16 million (30-89 Days Past Due) related to loan sales or transfers from Loans to Loans-held-for-sale (Other Assets) on the Consolidated Balance Sheet.

(2) The third quarter of 2010 reflects the sale of The Student Loan Corporation to Sallie Mae and Discover. This sale is reported as discontinued operations for the third quarter of 2010 only. Prior periods were not reclassified due to the immateriality of the impact in those periods.

(3) The second quarter of 2010 excludes an estimated $27 million (90+ Days Past Due) and $145 million (30-89 Days Past Due) related to the transfer from Loans to Loans-held-for-sale (Other Assets) on the Consolidated Balance Sheet related to the announced sale of a portfolio, which closed in the third quarter of 2010.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
SPECIAL ASSET POOL
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Net Interest Revenue	$	989		$	815		$	542		$	408		$	420		$	354		$	223		(59	)%	$	2,346		$	997		(58	)%
Non-Interest Revenue	(5,523		)	(1,191		)	821			(121		)	1,120			218			91			(89	)%	(5,893		)	1,429			NM
Total Revenues, Net of Interest Expense	(4,534		)	(376		)	1,363			287			1,540			572			314			(77	)%	(3,547		)	2,426			NM
Total Operating Expenses	216			189			213			206			131			120			116			(46	)%	618			367			(41	)%
Net Credit Losses	1,510			1,637			1,321			931			292			462			689			(48	)%	4,468			1,443			(68	)%
Credit Reserve Build / (Release)	32			(142		)	(285		)	(135		)	(39		)	(376		)	(610		)	NM		(395		)	(1,025		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Unfunded Lending Commitments	28			52			—			31			(26		)	(39		)	26			—		80			(39		)	NM
Provision for Loan Losses and for Benefits and Claims	1,570			1,547			1,036			827			227			47			105			(90	)%	4,153			379			(91	)%
Income (loss) from Continuing Operations before Taxes	(6,320		)	(2,112		)	114			(746		)	1,182			405			93			(18	)%	(8,318		)	1,680			NM
Income Taxes (benefits)	(2,372		)	(866		)	56			(513		)	301			284			173			NM		(3,182		)	758			NM
Income (loss) from Continuing Operations	(3,948		)	(1,246		)	58			(233		)	881			121			(80		)	NM		(5,136		)	922			NM
Net Income (loss) Attributable to Minority Interests	—			(48		)	20			12			16			(6		)	74			NM		(28		)	84			NM
Net Income (Loss)	$	(3,948	)	$	(1,198	)	$	38		$	(245	)	$	865		$	127		$	(154	)	NM		$	(5,108	)	$	838		NM

EOP Assets (in billions of dollars)	$	193		$	180		$	163		$	136		$	126		$	112		$	95		(42	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

AVERAGE BALANCES AND INTEREST RATES (1)(2)(3)(4)(5)

	Average Volumes						Interest						% Average Rate (4)
	Third		Second		Third		Third		Second		Third		Third		Second		Third
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars	2009		2010		2010 (5)		2009		2010		2010 (5)		2009		2010		2010 (5)
Assets:

Deposits with Banks	$	190,269	$	168,330	$	160,541	$	313	$	291	$	318	0.65	%	0.69	%	0.79	%
Fed Funds Sold and Resale Agreements (6)	211,546		269,338		246,944		728		781		807		1.37	%	1.16	%	1.30	%
Trading Account Assets (7) (8)	267,916		280,103		273,302		2,654		2,011		2,026		3.93	%	2.88	%	2.94	%
Investments (1)	263,224		311,403		327,568		3,283		2,986		2,611		4.95	%	3.85	%	3.16	%
Total Loans (net of Unearned Income) (9)	638,681		709,500		649,534		11,601		14,227		13,332		7.21	%	8.04	%	8.14	%
Other Interest-Earning Assets	43,869		51,519		56,542		99		122		277		0.90	%	0.95	%	1.94	%
Total Average Interest-Earning Assets	$	1,615,505	$	1,790,193	$	1,714,431	$	18,678	$	20,418	$	19,371	4.59	%	4.57	%	4.48	%

Liabilities:

Deposits	$	695,397	$	709,803	$	727,955	$	2,298	$	2,036	$	2,130	1.31	%	1.15	%	1.16	%
Fed Funds Purchased and Repurchase Agreements (6)	203,943		238,369		205,415		772		797		671		1.50	%	1.34	%	1.30	%
Trading Account Liabilities (7)	60,635		83,237		75,465		43		106		108		0.28	%	0.51	%	0.57	%
Short-Term Borrowings	139,459		155,890		144,918		350		215		213		1.00	%	0.55	%	0.58	%
Long-Term Debt (10)	346,057		414,893		363,933		3,217		3,225		3,003		3.69	%	3.12	%	3.27	%
Total Average Interest-Bearing Liabilities	$	1,445,491	$	1,602,192	$	1,517,686	$	6,680	$	6,379	$	6,125	1.83	%	1.60	%	1.60	%

Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	11,998	$	14,039	$	13,246	2.95	%	3.15	%	3.07	%

3Q10 Increase (Decrease) From													12	bps	(8	)bps

(1) Interest Revenue excludes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $387 million for the third quarter of 2009, $149 million for the second quarter of 2010 and $149 million for the third quarter of 2010.

(2) Citigroup Average Balances and Interest Rates include both domestic and international operations.

(3) Monthly averages have been used by certain subsidiaries where daily averages are unavailable.

(4) Average Rate % is calculated as annualized interest over average volumes.

(5) Preliminary.

(6) Average volumes of securities borrowed or purchased under agreements to resell and securities loaned or sold under agreements to repurchase are reported net pursuant to FIN 41; the related interest excludes the impact of FIN 41.

(7) Interest expense on trading account liabilities of ICG is reported as a reduction of interest revenue. Interest revenue and interest expense on cash collateral positions are reported in trading account assets and trading account liabilities, respectively.

(8) Excludes hybrid financial instruments with changes recorded in Principal Transactions.

(9) Nonperforming loans are included in the average loan balances.

(10) Excludes hybrid financial instruments and beneficial interests in consolidated VIEs that are classified as long-term debt as these obligations are accounted for at fair value with changes recorded in Principal Transactions. In addition, the funding provided provided by Treasury to The Student Loan Corporation operations is excluded from this line.

Reclassified to conform to the current period’s presentation and has been reclassified to exclude Discontinued Operations.

EOP DEPOSITS
TOTAL CITIGROUP
(In billions of dollars)

															Sept 30, 2010
															vs.
	1Q		2Q		3Q		4Q		1Q		2Q		3Q		December 31, 2009
	2009		2009		2009		2009		2010		2010		2010		Inc (Decr)

Citicorp Deposits by Business

Regional Consumer Banking
North America	$	134.5	$	143.0	$	147.8	$	146.7	$	146.4	$	144.7	$	143.7	(2	)%
EMEA	8.5		9.3		9.8		10.1		9.4		8.7		9.4		(7	)%
Latin America	35.3		36.7		36.5		41.4		40.6		40.9		41.7		1	%
Asia	84.2		89.2		94.2		94.5		98.4		97.1		105.4		12	%
Total	$	262.5	$	278.2	$	288.3	$	292.7	$	294.8	$	291.4	$	300.2	3	%

ICG
Securities and Banking	$	124.7	$	117.9	$	120.5	$	117.6	$	120.5	$	112.4	$	115.5	(2	)%
Transaction Services	276.4		309.5		321.9		324.1		314.5		314.9		341.4		5	%
Total	$	401.1	$	427.4	$	442.4	$	441.7	$	435.0	$	427.3	$	456.9	3	%

Total Citicorp	$	663.6	$	705.6	$	730.7	$	734.4	$	729.8	$	718.7	$	757.1	3	%

Citi Holdings Deposits

Brokerage and Asset Management	$	58.6	$	56.3	$	59.7	$	59.9	$	58.9	$	57.1	$	56.9	(5	)%
Local Consumer Lending	26.2		27.6		27.3		28.6		26.6		25.1		25.4		(11	)%

Total Citi Holdings	$	84.8	$	83.9	$	87.0	$	88.5	$	85.5	$	82.2	$	82.3	(7	)%

Corporate/Other Deposits	$	14.3	$	15.2	$	14.9	$	13.0	$	12.6	$	13.1	$	10.7	(18	)%

Total Citigroup Deposits	$	762.7	$	804.7	$	832.6	$	835.9	$	827.9	$	814.0	$	850.1	2	%

Reclassified to conform to the current period’s presentation.

SUPPLEMENTAL DETAIL

CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS
BUSINESS VIEW
(In millions of dollars, except loan amounts in billions of dollars)

	Managed Loans 90+ Days Past Due (1) (2)																					EOP Loans
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q
	2009			2009			2009			2009			2010			2010			2010			2010

Citicorp (3)
Total	$	3,943		$	4,289		$	3,899		$	4,023		$	3,937		$	3,733		$	3,377		$	224.8
*Ratio*	1.86		%	1.97		%	1.74		%	1.79		%	1.78		%	1.71		%	1.51		%

Retail Bank (3)
Total	$	697		$	767		$	695		$	725		$	782		$	804		$	787		$	113.7
Ratio	0.69		%	0.74		%	0.64		%	0.68		%	0.71		%	0.74		%	0.70		%
North America (3)	$	99		$	97		$	92		$	106		$	142		$	245		$	221		$	29.4
Ratio	0.29		%	0.29		%	0.27		%	0.33		%	0.45		%	0.81		%	0.77		%
EMEA	$	58		$	70		$	62		$	60		$	52		$	50		$	40		$	4.7
Ratio	1.05		%	1.23		%	1.09		%	1.15		%	1.06		%	1.16		%	0.85		%
Latin America	$	277		$	316		$	279		$	323		$	352		$	308		$	310		$	20.8
Ratio	1.80		%	1.92		%	1.58		%	1.77		%	1.81		%	1.57		%	1.49		%
Asia	$	263		$	284		$	262		$	236		$	236		$	201		$	216		$	58.8
Ratio	0.57		%	0.60		%	0.52		%	0.46		%	0.43		%	0.37		%	0.37		%

Citi-Branded Cards
Total	$	3,246		$	3,522		$	3,204		$	3,298		$	3,155		$	2,929		$	2,590		$	111.1
Ratio	2.93		%	3.07		%	2.74		%	2.81		%	2.86		%	2.68		%	2.33		%
North America	$	2,307		$	2,366		$	2,190		$	2,371		$	2,304		$	2,130		$	1,807		$	76.6
Ratio	2.82		%	2.84		%	2.59		%	2.82		%	2.97		%	2.76		%	2.36		%
EMEA	$	58		$	99		$	90		$	85		$	77		$	72		$	69		$	2.9
Ratio	2.32		%	3.54		%	3.00		%	2.83		%	2.66		%	2.77		%	2.38		%
Latin America	$	562		$	707		$	609		$	565		$	510		$	481		$	472		$	12.6
Ratio	4.97		%	5.84		%	5.03		%	4.56		%	4.21		%	4.01		%	3.75		%
Asia	$	319		$	350		$	315		$	277		$	264		$	246		$	242		$	19.0
Ratio	2.07		%	2.12		%	1.85		%	1.55		%	1.51		%	1.40		%	1.27		%

Citi Holdings - Local Consumer Lending (3) (4)	$	15,478		$	15,869		$	18,123		$	18,457		$	16,808		$	14,371		$	11,824		$	237.8
*Ratio*	4.54		%	4.80		%	5.72		%	6.11		%	5.66		%	5.24		%	5.23		%

International	$	1,380		$	1,551		$	1,465		$	1,362		$	953		$	724		$	713		$	24.7
Ratio	3.59		%	3.93		%	4.01		%	4.22		%	3.44		%	2.94		%	2.89		%
North America Retail Partner Cards	$	2,791		$	2,590		$	2,587		$	2,681		$	2,385		$	2,004		$	1,749		$	46.0
Ratio	4.36		%	4.09		%	4.23		%	4.42		%	4.38		%	3.99		%	3.80		%
North America (excluding Cards) (3) (4)	$	11,307		$	11,728		$	14,071		$	14,414		$	13,470		$	11,643		$	9,362		$	167.1
Ratio	4.74		%	5.16		%	6.42		%	6.89		%	6.27		%	5.84		%	6.03		%

Total Citigroup (excluding Special Asset Pool) (3) (4)	$	19,421		$	20,158		$	22,022		$	22,480		$	20,745		$	18,104		$	15,201		$	462.6
Ratio	3.51		%	3.68		%	4.07		%	4.27		%	4.01		%	3.67		%	3.38		%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only.

(2)	The ratio of 90+ Days Past Due is calculated based on end-of-period loans, net of unearned income.

(3)	The 90+ Days Past Due and related ratios for North America RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

(4)	The March 31, 2010, June 30, 2010 and September 30, 2010 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion, $ 2.6 billion and $2.4 billion, respectively, of Loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

SUPPLEMENTAL DETAIL

CONSUMER LOANS 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS
BUSINESS VIEW
(In millions of dollars, except loan amounts in billions of dollars)

	Managed Loans 30-89 Days Past Due (1) (2)																					EOP Loans
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q
	2009			2009			2009			2009			2010			2010			2010			2010

Citicorp (3) (5)
Total	$	4,651		$	4,328		$	4,352		$	4,245		$	4,294		$	3,858		$	3,728		$	224.8
*Ratio*	2.19		%	1.99		%	1.94		%	1.89		%	1.94		%	1.77		%	1.66		%

Retail Bank (3)
Total	$	1,107		$	1,084		$	1,013		$	1,014		$	1,200		$	1,131		$	1,185		$	113.7
Ratio	1.09		%	1.05		%	0.94		%	0.95		%	1.08		%	1.04		%	1.05		%
North America (3)	$	92		$	87		$	82		$	81		$	236		$	241		$	243		$	29.4
Ratio	0.27		%	0.26		%	0.24		%	0.25		%	0.75		%	0.80		%	0.85		%
EMEA	$	213		$	235		$	230		$	203		$	182		$	145		$	142		$	4.7
Ratio	3.87		%	4.12		%	4.04		%	3.90		%	3.71		%	3.37		%	3.02		%
Latin America	$	305		$	337		$	315		$	316		$	346		$	305		$	377		$	20.8
Ratio	1.98		%	2.04		%	1.78		%	1.74		%	1.78		%	1.56		%	1.81		%
Asia	$	497		$	425		$	386		$	414		$	436		$	440		$	423		$	58.8
Ratio	1.08		%	0.90		%	0.77		%	0.81		%	0.80		%	0.80		%	0.72		%

Citi-Branded Cards
Total	$	3,544		$	3,244		$	3,339		$	3,231		$	3,094		$	2,727		$	2,543		$	111.1
Ratio	3.20		%	2.83		%	2.86		%	2.75		%	2.81		%	2.49		%	2.29		%
North America	$	2,337		$	2,024		$	2,213		$	2,182		$	2,145		$	1,828		$	1,687		$	76.6
Ratio	2.86		%	2.43		%	2.61		%	2.59		%	2.76		%	2.37		%	2.20		%
EMEA	$	131		$	146		$	155		$	140		$	113		$	90		$	86		$	2.9
Ratio	5.24		%	5.21		%	5.17		%	4.67		%	3.90		%	3.46		%	2.97		%
Latin America	$	689		$	693		$	604		$	556		$	475		$	485		$	442		$	12.6
Ratio	6.10		%	5.73		%	4.99		%	4.48		%	3.93		%	4.04		%	3.51		%
Asia	$	387		$	381		$	367		$	353		$	361		$	324		$	328		$	19.0
Ratio	2.51		%	2.31		%	2.16		%	1.97		%	2.06		%	1.84		%	1.73		%

Citi Holdings - Local Consumer Lending (3) (4)	$	14,130		$	14,371		$	14,848		$	14,105		$	12,236		$	11,201		$	10,408		$	237.8
*Ratio*	4.14		%	4.35		%	4.69		%	4.67		%	4.12		%	4.08		%	4.61		%

International	$	1,964		$	1,845		$	1,733		$	1,482		$	1,059		$	939		$	978		$	24.7
Ratio	5.11		%	4.67		%	4.75		%	4.59		%	3.82		%	3.82		%	3.96		%
North America Retail Partner Cards	$	2,826		$	2,749		$	2,911		$	2,674		$	2,374		$	2,150		$	1,972		$	46.0
Ratio	4.42		%	4.34		%	4.76		%	4.41		%	4.36		%	4.28		%	4.29		%
North America (excluding Cards) (3) (4)	$	9,340		$	9,777		$	10,204		$	9,949		$	8,803		$	8,112		$	7,458		$	167.1
Ratio	3.91		%	4.30		%	4.66		%	4.76		%	4.10		%	4.07		%	4.81		%

Total Citigroup (excluding Special Asset Pool) (3)(4)	$	18,781		$	18,699		$	19,200		$	18,350		$	16,530		$	15,059		$	14,136		$	462.6
Ratio	3.40		%	3.41		%	3.55		%	3.49		%	3.19		%	3.06		%	3.14		%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only.

(2)	The ratio of 30-89 Days Past Due is calculated based on end-of-period loans, net of unearned income.

(3)	The 30-89 Days Past Due and related ratios for North America RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. by U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

(4)	The March 31, 2010, June 30, 2010 and September 30, 2010 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion, $ 2.6 billion and $2.4 billion, respectively, of Loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

ALLOWANCE FOR CREDIT LOSSES - PAGE 1
TOTAL CITIGROUP
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Total Citigroup
Allowance for Loan Losses at Beginning of Period	$	29,616		$	31,703		$	35,940		$	36,416		$	36,033		$	48,746		$	46,197				$	29,616		$	36,033

Gross Credit (Losses)	(7,660		)	(8,773		)	(8,449		)	(7,902		)	(9,202		)	(9,006		)	(8,499		)	(1	)%	(24,882		)	(26,707		)	(7	)%
Gross Recoveries	378			418			480			767			818			1,044			840			75	%	1,276			2,702			NM
Net Credit (Losses) / Recoveries (NCL’s)	(7,282		)	(8,355		)	(7,969		)	(7,135		)	(8,384		)	(7,962		)	(7,659		)	4	%	(23,606		)	(24,005		)	(2	)%
NCL’s	7,282			8,355			7,969			7,135			8,384			7,962			7,659			(4	)%	23,606			24,005			2	%
Net Reserve Builds / (Releases)	2,262			2,921			113			445			(882		)	(1,752		)	(1,470		)	NM		5,296			(4,104		)	NM
Net Specific Reserve Builds / (Releases)	371			957			689			261			864			313			(523		)	NM		2,017			654			(68	)%
Provision for Loan Losses	9,915			12,233			8,771			7,841			8,366			6,523			5,666			(35	)%	30,919			20,555			(34	)%
Other (3) (4) (5) (6) (7) (8)	(546		)	359			(326		)	(1,089		)	12,731			(1,110		)	(530		)			(513		)	11,091
Allowance for Loan Losses at End of Period (1) (2) (a)	$	31,703		$	35,940		$	36,416		$	36,033		$	48,746		$	46,197		$	43,674				$	36,416		$	43,674

Allowance for Unfunded Lending Commitments (9) (a)	$	947		$	1,082		$	1,074		$	1,157		$	1,122		$	1,054		$	1,102				$	1,074		$	1,102

Provision for Unfunded Lending Commitments	$	60		$	135		$	—		$	49		$	(35	)	$	(71	)	$	26				$	195		$	(80	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	32,650		$	37,022		$	37,490		$	37,190		$	49,868		$	47,251		$	44,776				$	37,490		$	44,776

Total Allowance for Loan Losses as a Percentage of Total Loans (9)	4.82		%	5.60		%	5.85		%	6.09		%	6.80		%	6.72		%	6.73		%

Allowance for Loan Losses at End of Period (1):
Citicorp	$	9,088		$	10,676		$	10,956		$	10,731		$	18,503		$	17,524		$	17,371
Citi Holdings	22,615			25,264			25,460			25,302			30,243			28,673			26,303
Total Citigroup	$	31,703		$	35,940		$	36,416		$	36,033		$	48,746		$	46,197		$	43,674

(1)		Allowance for Credit Losses represents management’s estimate of probable losses inherent in the portfolio. Attribution of the allowance is made for analytical purposes only, and the entire allowance is available to absorb probable credit losses inherent in the portfolio.

(2)		Included in the Allowance for Loan Losses are reserves for Trouble Debt Restructurings (TDRs) of $2,760 million, $3,810 million, $4,587 million, $4,819 million, $6,926 million, $7,320 million, and $7,090 million as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively.

(3)		Includes all adjustments to the Allowance for Credit Losses, such as changes in the allowance from acquisitions, securitizations, foreign exchange translation, purchase accounting adjustments, etc.

(4)		The fourth quarter of 2009 includes a reduction of approximately $330 million related to securitizations and approximately $400 million related to the sale or transfers to held-for-sale of U.S. Real Estate Lending Loans.

(5)		The first quarter of 2010 includes $13.4 billion related to the impact of consolidating entities in connection with Citigroup’s adoption of SFAS 166/167 as of January 1, 2010.

(6)		The second quarter of 2010 includes a reduction of an estimated $237 million related to the announced sales of the Canada Cards portfolio and an Auto portfolio (the allowance was transferred to Assets held-for-sale). Additionally, the second quarter of 2010 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale of U.S. Real Estate Lending Loans.

(7)		The third quarter of 2010 includes a reduction of an estimated $54 million related to the announced sale of The Student Loan Corporation (the allowance was transferred to Assets held-for-sale). Additionally, the third quarter of 2010 includes a reduction of approximately $950 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(8)		Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

(9)		March 31, 2010, June 30, 2010 and September 30, 2010 excludes $5.4 billion, $4.9 billion and $5.2 billion, respectively, of Loans which are carried at fair value.

NM Not meaningful
Reclassified to conform to the current period’s presentation.

ALLOWANCE FOR CREDIT LOSSES - PAGE 2
TOTAL CITIGROUP
(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period	$	22,204		$	24,036		$	27,969		$	28,420		$	28,397		$	41,422		$	39,578				$	22,204		$	28,397

Net Credit (Losses) / Recoveries (NCL’s)	(5,711		)	(6,607		)	(6,428		)	(6,060		)	(8,020		)	(7,490		)	(6,737		)	(5	)%	(18,746		)	(22,247		)	(19	)%
NCL’s	5,711			6,607			6,428			6,060			8,020			7,490			6,737			5	%	18,746			22,247			19	%
Net Reserve Builds / (Releases)	1,739			2,401			128			722			(507		)	(1,302		)	(1,170		)	NM		4,268			(2,979		)	NM
Net Specific Reserve Builds / (Releases)	560			1,002			765			295			731			484			(222		)	NM		2,327			993			(57	)%
Provision for Loan Losses	8,010			10,010			7,321			7,077			8,244			6,672			5,345			(27	)%	25,341			20,261			(20	)%
Other (3) (4) (5) (6) (7)	(467		)	530			(442		)	(1,040		)	12,801			(1,026		)	(579		)			(379		)	11,196			NM

Allowance for Loan Losses at End of Period (1) (2) (a)	$	24,036		$	27,969		$	28,420		$	28,397		$	41,422		$	39,578		$	37,607				$	28,420		$	37,607

Consumer Allowance for Unfunded Lending Commitments (8) (a)	$	—		$	—		$	—		$	6		$	6		$	—		$	—				$	—		$	—

Provision for Unfunded Lending Commitments	$	—		$	—		$	—		$	(6	)	$	—		$	(9	)	$	—				$	—		$	(9	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	24,036		$	27,969		$	28,420		$	28,403		$	41,428		$	39,578		$	37,607				$	28,420		$	37,607

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (9)	5.29		%	6.25		%	6.44		%	6.70		%	7.84		%	7.87		%	8.16		%

Total Citigroup Corporate Loans

Allowance for Loan Losses at Beginning of Period	$	7,412		$	7,667		$	7,971		$	7,996		$	7,636		$	7,324		$	6,619				$	7,412		$	7,636

Net Credit (Losses) / Recoveries (NCL’s)	(1,571		)	(1,748		)	(1,541		)	(1,075		)	(364		)	(472		)	(922		)	40	%	(4,860		)	(1,758		)	64	%
NCL’s	1,571			1,748			1,541			1,075			364			472			922			(40	)%	4,860			1,758			(64	)%
Net Reserve Builds / (Releases)	523			520			(15		)	(277		)	(375		)	(450		)	(300		)	NM		1,028			(1,125		)	NM
Net Specific Reserve Builds / (Releases)	(189		)	(45		)	(76		)	(34		)	133			(171		)	(301		)	NM		(310		)	(339		)	(9	)%
Provision for Loan Losses	1,905			2,223			1,450			764			122			(149		)	321			(78	)%	5,578			294			(95	)%
Other (3) (5)	(79		)	(171		)	116			(49		)	(70		)	(84		)	49					(134		)	(105		)

Allowance for Loan Losses at End of Period (1) (b)	$	7,667		$	7,971		$	7,996		$	7,636		$	7,324		$	6,619		$	6,067				$	7,996		$	6,067

Corporate Allowance for Unfunded Lending Commitments (6) (b)	$	947		$	1,082		$	1,074		$	1,151		$	1,116		$	1,054		$	1,102				$	1,074		$	1,102

Provision for Unfunded Lending Commitments	$	60		$	135		$	—		$	55		$	(35	)	$	(62	)	$	26				$	195		$	(71	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	8,614		$	9,053		$	9,070		$	8,787		$	8,440		$	7,673		$	7,169				$	9,070		$	7,169

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (10)	3.77		%	4.11		%	4.42		%	4.56		%	3.90		%	3.59		%	3.22		%

(1)		Allowance for Credit Losses represents management’s estimate of probable losses inherent in the portfolio. Attribution of the allowance is made for analytical purposes only, and the entire allowance is available to absorb probable credit losses inherent in the portfolio.

(2)		Included in the Allowance for Loan Losses are reserves for Trouble Debt Restructurings (TDRs) of $2,760 million, $3,810 million, $4,587 million, $4,819 million, $6,926 million, $7,320 million, and $7,090 million as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009, March 31, 2010, June 30, 2010 and September 30, 2010, respectively.

(3)		Includes all adjustments to the Allowance for Credit Losses, such as changes in the allowance from acquisitions, securitizations, foreign exchange translation, purchase accounting adjustments, etc.

(4)		The fourth quarter of 2009 includes a reduction of approximately $330 million related to securitizations and approximately $400 million related to the sale or transfers to held-for-sale of U.S. Real Estate Lending Loans.

(5)		The first quarter of 2010 includes $13.4 billion related to the impact of consolidating entities in connection with Citigroup’s adoption of SFAS 166/167 as of January 1, 2010.

(6)		The second quarter of 2010 includes a reduction of an estimated $237 million related to the announced sales of the Canada Cards portfolio and an Auto portfolio (the allowance was transferred to Assets held-for-sale). Additionally, the second quarter of 2010 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale of U.S. Real Estate Lending Loans.

(7)		The third quarter of 2010 includes a reduction of an estimated $54 million related to the announced sale of The Student Loan Corporation (the allowance was transferred to Assets held-for-sale). Additionally, the third quarter of 2010 includes a reduction of approximately $950 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(8)		Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

(9)		March 31, 2010, June 30, 2010 and September 30, 2010 excludes $2.9 billion, $2.6 billion and $2.4 billion, respectively, of Loans which are carried at fair value.

(10)		March 31, 2010, June 30, 2010 and September 30, 2010 excludes $2.5 billion, $2.3 billion and $2.8 billion, respectively, of Loans which are carried at fair value.

NM Not meaningful
Reclassified to conform to the current period’s presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1

CITICORP

(In millions of dollars)

																						3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)

Citicorp
Net Credit Losses	$	1,251		$	1,575		$	1,734		$	1,595		$	3,142		$	2,965		$	3,020		74	%	$	4,560		$	9,127		100	%
Impact of Credit Card Securitization Activity (1)	1,491			1,837			1,876			1,727			—			—			—			(100	)%	5,204			—			(100	)%
Managed NCLs	2,742			3,412			3,610			3,322			3,142			2,965			3,020			(16	)%	9,764			9,127			(7	)%
Credit Reserve Build / (Release)	998			1,231			522			(36		)	(360		)	(639		)	(427		)	NM		2,751			(1,426		)	NM

Consumer Banking
Net Credit Losses	$	1,174		$	1,406		$	1,442		$	1,388		$	3,040		$	2,922		$	2,731		89	%	$	4,022		$	8,693		NM
Credit Reserve Build / (Release)	686			619			356			158			(180		)	(408		)	(403		)	NM		1,661			(991		)	NM
North America Consumer Banking
Net Credit Losses	257			307			279			308			2,157			2,126			1,971			NM		843			6,254			NM
Credit Reserve Build / (Release)	253			149			54			71			4			(9		)	40			(26	)%	456			35			(92	)%
Retail Banking
Net Credit Losses	56			88			78			88			73			79			90			15	%	222			242			9	%
Credit Reserve Build / (Release)	31			39			53			38			4			(9		)	40			(25	)%	123			35			(72	)%
Citi-Branded Cards
Net Credit Losses	201			219			201			220			2,084			2,047			1,881			NM		621			6,012			NM
Credit Reserve Build / (Release)	222			110			1			33			—			—			—			(100	)%	333			—			(100	)%
EMEA Consumer Banking
Net Credit Losses	89			121			139			138			97			85			65			(53	)%	349			247			(29	)%
Credit Reserve Build / (Release)	72			158			67			10			(10		)	(46		)	(51		)	NM		297			(107		)	NM
Retail Banking
Net Credit Losses	60			74			84			84			47			46			34			(60	)%	218			127			(42	)%
Credit Reserve Build / (Release)	37			86			38			(25		)	(6		)	(21		)	(21		)	NM		161			(48		)	NM
Citi-Branded Cards
Net Credit Losses	29			47			55			54			50			39			31			(44	)%	131			120			(8	)%
Credit Reserve Build / (Release)	35			72			29			35			(4		)	(25		)	(30		)	NM		136			(59		)	NM
Latin America Consumer Banking
Net Credit Losses	541			610			657			625			509			457			450			(32	)%	1,808			1,416			(22	)%
Credit Reserve Build / (Release)	166			156			141			(1		)	(136		)	(241		)	(300		)	NM		463			(677		)	NM
Retail Banking
Net Credit Losses	112			138			114			149			91			96			128			12	%	364			315			(13	)%
Credit Reserve Build / (Release)	8			34			60			(34		)	(5		)	(29		)	(55		)	NM		102			(89		)	NM
Citi-Branded Cards
Net Credit Losses	429			472			543			476			418			361			322			(41	)%	1,444			1,101			(24	)%
Credit Reserve Build / (Release)	158			122			81			33			(131		)	(212		)	(245		)	NM		361			(588		)	NM
Asia Consumer Banking
Net Credit Losses	287			368			367			317			277			254			245			(33	)%	1,022			776			(24	)%
Credit Reserve Build / (Release)	195			156			94			78			(38		)	(112		)	(92		)	NM		445			(242		)	NM
Retail Banking
Net Credit Losses	110			128			119			88			78			83			81			(32	)%	357			242			(32	)%
Credit Reserve Build / (Release)	103			52			(7		)	42			(17		)	(34		)	(27		)	NM		148			(78		)	NM
Citi-Branded Cards
Net Credit Losses	177			240			248			229			199			171			164			(34	)%	665			534			(20	)%
Credit Reserve Build / (Release)	92			104			101			36			(21		)	(78		)	(65		)	NM		297			(164		)	NM

Institutional Clients Group (ICG)
Net Credit Losses	77			169			292			207			102			43			289			(1	)%	538			434			(19	)%
Credit Reserve Build / (Release)	312			612			166			(194		)	(180		)	(231		)	(24		)	NM		1,090			(435		)	NM
Securities and Banking
Net Credit Losses	74			172			294			202			101			42			288			(2	)%	540			431			(20	)%
Credit Reserve Build / (Release)	314			604			171			(197		)	(162		)	(196		)	(8		)	NM		1,089			(366		)	NM
Transaction Services
Net Credit Losses	3			(3		)	(2		)	5			1			1			1			NM		(2		)	3			NM
Credit Reserve Build / (Release)	(2		)	8			(5		)	3			(18		)	(35		)	(16		)	NM		1			(69		)	NM

Total Citicorp Provision for Loan Losses	$	2,249		$	2,806		$	2,256		$	1,559		$	2,782		$	2,326		$	2,593		15	%	$	7,311		$	7,701		5	%

Total Citicorp Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	3,740		$	4,643		$	4,132		$	3,286		$	2,782		$	2,326		$	2,593		(37	)%	$	12,515		$	7,701		(38	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2
CITI HOLDINGS / TOTAL CITIGROUP
(In millions of dollars)

																					3Q10 vs.		Nine			Nine			YTD 2010 vs.
	1Q		2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/		Months			Months			YTD 2009 Increase/
	2009		2009			2009			2009			2010			2010			2010			(Decrease)		2009			2010			(Decrease)
Citi Holdings
Net Credit Losses	$	6,027	$	6,781		$	6,234		$	5,543		$	5,241		$	4,998		$	4,640		(26	)%	$	19,042		$	14,879		(22	)%
Impact of Credit Card Securitization Activity (1)	1,057		1,278			1,137			1,118			—			—			—			(100	)%	3,472			—			(100	)%
Managed NCLs	7,084		8,059			7,371			6,661			5,241			4,998			4,640			(37	)%	22,514			14,879			(34	)%
Credit Reserve Build / (Release)	1,637		2,645			281			742			340			(800		)	(1,567		)	NM		4,563			(2,027		)	NM

Brokerage and Asset Management
Net Credit Losses	—		—			1			—			11			1			2			100	%	1			14			NM
Credit Reserve Build / (Release)	43		3			(11		)	1			(7		)	(3		)	(4		)	64	%	35			(14		)	NM
Local Consumer Lending
Net Credit Losses	4,517		5,144			4,912			4,612			4,938			4,535			3,949			(20	)%	14,573			13,422			(8	)%
Credit Reserve Build / (Release)	1,562		2,784			577			876			386			(421		)	(953		)	NM		4,923			(988		)	NM
Special Asset Pool
Net Credit Losses	1,510		1,637			1,321			931			292			462			689			(48	)%	4,468			1,443			(68	)%
Credit Reserve Build / (Release)	32		(142		)	(285		)	(135		)	(39		)	(376		)	(610		)	NM		(395		)	(1,025		)	NM

Total Citi Holdings Provision for Loan Losses	$	7,664	$	9,426		$	6,515		$	6,285		$	5,581		$	4,198		$	3,073		(53	)%	$	23,605		$	12,852		(46	)%

Total Citi Holdings Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	8,721	$	10,704		$	7,652		$	7,403		$	5,581		$	4,198		$	3,073		(60	)%	$	27,077		$	12,852		(53	)%

Total Citicorp Provision for Loan Losses (from prior page)	$	2,249	$	2,806		$	2,256		$	1,559		$	2,782		$	2,326		$	2,593		15	%	$	7,311		$	7,701		5	%

Corporate / Other	2		1			—			(3		)	3			(1		)	—			—		3			2			(33	)%
Total Citigroup Provision for Loan Losses	$	9,915	$	12,233		$	8,771		$	7,841		$	8,366		$	6,523		$	5,666		(35	)%	$	30,919		$	20,555		(34	)%

Total Citigroup Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	12,463	$	15,348		$	11,784		$	10,686		$	8,366		$	6,523		$	5,666		(52	)%	$	39,595		$	20,555		(48	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 1
TOTAL CITIGROUP
(In millions of dollars)

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	3,789		$	3,499		$	5,263		$	5,621		$	5,660		$	4,411		$	3,299		(37	)%
EMEA	6,479			7,690			7,969			6,308			5,834			5,508			5,473			(31	)%
Latin America	300			230			416			569			608			570			658			58	%
Asia	635			1,056			1,061			981			830			547			517			(51	)%
Total	$	11,203		$	12,475		$	14,709		$	13,479		$	12,932		$	11,036		$	9,947		(32	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	11,687		$	12,154		$	14,609		$	15,111		$	12,966		$	11,289		$	9,978		(32	)%
EMEA	1,128			1,356			1,314			1,159			790			690			758			(42	)%
Latin America	1,338			1,520			1,342			1,340			1,246			1,218			1,150			(14	)%
Asia	755			741			710			651			634			579			586			(17	)%
Total	$	14,908		$	15,771		$	17,975		$	18,261		$	15,636		$	13,776		$	12,472		(31	)%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	272		$	258		$	258		$	838		$	846		$	830		$	842		NM
Regional Consumer Banking	35			33			26			36			35			36			37			42	%
Brokerage and Asset Management	1			1			1			—			—			—			—			(100	)%
Local Consumer Lending	853			662			579			528			588			621			674			16	%
Special Asset Pool	—			1			5			87			44			179			181			NM
Corporate/Other	41			14			15			11			8			7			7			(53	)%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,202		$	969		$	884		$	1,500		$	1,521		$	1,673		$	1,741		97	%

OREO By Region:
North America	$	1,115		$	789		$	682		$	1,294		$	1,291		$	1,422		$	1,470		NM
EMEA	65			97			105			121			134			146			164			56	%
Latin America	20			29			40			45			51			49			53			33	%
Asia	2			54			57			40			45			56			54			(5	)%
Total	$	1,202		$	969		$	884		$	1,500		$	1,521		$	1,673		$	1,741		97	%

Other Repossessed Assets (4)	$	78		$	72		$	76		$	73		$	64		$	55		$	38		(50	)%

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	11,203		$	12,475		$	14,709		$	13,479		$	12,932		$	11,036		$	9,947		(32	)%
Consumer Non-Accrual Basis Loans	14,908			15,771			17,975			18,261			15,636			13,776			12,472			(31	)%
Non-Accrual Loans (NAL)	26,111			28,246			32,684			31,740			28,568			24,812			22,419			(31	)%
OREO	1,202			969			884			1,500			1,521			1,673			1,741			97	%
Other Repossessed Assets	78			72			76			73			64			55			38			(50	)%
Non-Accrual Assets (NAA)	$	27,391		$	29,287		$	33,644		$	33,313		$	30,153		$	26,540		$	24,198		(28	)%

NAL as a % of Total Loans	3.97		%	4.40		%	5.25		%	5.37		%	3.96		%	3.58		%	3.43		%
NAA as a % of Total Assets	1.50		%	1.58		%	1.78		%	1.79		%	1.51		%	1.37		%	1.22		%

Allowance for Loan Losses as a % of NAL	121		%	127		%	111		%	114		%	171		%	186		%	195		%

(1) Corporate loans are placed on non-accrual status based upon a review by Citigroup’s Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.

(2) Excludes SOP 3-03 purchased distressed loans.

(3) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.

(4) Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.

(5) There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 2

TOTAL CITICORP

(In millions of dollars)

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	794		$	822		$	1,265		$	1,442		$	1,258		$	1,046		$	1,115		(12	)%
EMEA	548			1,752			1,472			1,137			1,084			861			1,125			(24	)%
Latin America	89			80			150			285			342			302			372			NM
Asia	504			505			413			374			291			364			349			(15	)%
Total	$	1,935		$	3,159		$	3,300		$	3,238		$	2,975		$	2,573		$	2,961		(10	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	154		$	177		$	262		$	207		$	242		$	273		$	355		35	%
EMEA	174			170			251			228			215			148			150			(40	)%
Latin America	1,331			1,512			1,310			1,300			1,205			1,178			1,108			(15	)%
Asia	357			377			384			380			387			338			354			(8	)%
Total	$	2,016		$	2,236		$	2,207		$	2,115		$	2,049		$	1,937		$	1,967		(11	)%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	272		$	258		$	258		$	838		$	846		$	830		$	842		NM
Regional Consumer Banking	35			33			26			36			35			36			37			42	%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	307		$	291		$	284		$	874		$	881		$	866		$	879		NM

OREO By Region:
North America	$	286		$	193		$	173		$	786		$	783		$	803		$	821		NM
EMEA	—			16			15			13			12			11			11			(27	)%
Latin America	19			28			39			35			41			39			42			8	%
Asia	2			54			57			40			45			13			5			(91	)%
Total	$	307		$	291		$	284		$	874		$	881		$	866		$	879		NM

Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	1,935		$	3,159		$	3,300		$	3,238		$	2,975		$	2,573		$	2,961		(10	)%
Consumer Non-Accrual Basis Loans	2,016			2,236			2,207			2,115			2,049			1,937			1,967			(11	)%
Non-Accrual Loans (NAL)	3,951			5,395			5,507			5,353			5,024			4,510			4,928			(11	)%
OREO	307			291			284			874			881			866			879			NM
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	4,258		$	5,686		$	5,791		$	6,227		$	5,905		$	5,376		$	5,807		—

NAA as a % of Total Assets	0.42		%	0.54		%	0.54		%	0.55		%	0.48		%	0.44		%	0.45		%

Allowance for Loan Losses as a % of NAL	230		%	198		%	199		%	200		%	368		%	389		%	367		%

N/A Not Available at the Citicorp level. See “Non-Accrual Assets - Page 1” (on page 40) for Total Citigroup balances.

(2) Excludes SOP 3-03 purchased distressed loans.

(3) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.

(4) Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.

(5) There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 3

TOTAL CITI HOLDINGS

(In millions of dollars)

																						3Q10 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q09 Increase/
	2009			2009			2009			2009			2010			2010			2010			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	2,995		$	2,677		$	3,998		$	4,179		$	4,402		$	3,365		$	2,184		(45	)%
EMEA	5,931			5,938			6,497			5,171			4,750			4,647			4,348			(33	)%
Latin America	211			150			266			284			266			268			286			8	%
Asia	131			551			648			607			539			183			168			(74	)%
Total	$	9,268		$	9,316		$	11,409		$	10,241		$	9,957		$	8,463		$	6,986		(39	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	11,533		$	11,977		$	14,347		$	14,904		$	12,724		$	11,016		$	9,623		(33	)%
EMEA	954			1,186			1,063			931			575			542			608			(43	)%
Latin America	7			8			32			40			41			40			42			31	%
Asia	398			364			326			271			247			241			232			(29	)%
Total	$	12,892		$	13,535		$	15,768		$	16,146		$	13,587		$	11,839		$	10,505		(33	)%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Brokerage and Asset Management	$	1		$	1		$	1		$	—		$	—		$	—		$	—		(100	)%
Local Consumer Lending	853			662			579			528			588			621			674			16	%
Special Asset Pool	—			1			5			87			44			179			181			NM

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	854		$	664		$	585		$	615		$	632		$	800		$	855		46	%

OREO By Region:
North America	$	788		$	582		$	494		$	497		$	500		$	612		$	642		30	%
EMEA	65			81			90			108			122			135			153			70	%
Latin America	1			1			1			10			10			10			11			NM
Asia	—			—			—			—			—			43			49			—
Total	$	854		$	664		$	585		$	615		$	632		$	800		$	855		46	%

Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	9,268		$	9,316		$	11,409		$	10,241		$	9,957		$	8,463		$	6,986		(39	)%
Consumer Non-Accrual Basis Loans	12,892			13,535			15,768			16,146			13,587			11,839			10,505			(33	)%
Non-Accrual Loans (NAL)	22,160			22,851			27,177			26,387			23,544			20,302			17,491			(36	)%
OREO	854			664			585			615			632			800			855			46	%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	23,014		$	23,515		$	27,762		$	27,002		$	24,176		$	21,102		$	18,346		(34	)%

NAA as a % of Total Assets	3.84		%	4.04		%	4.99		%	5.54		%	4.81		%	4.54		%	4.36		%

Allowance for Loan Losses as a % of NAL	102		%	111		%	94		%	96		%	128		%	141		%	146		%

N/A	Not Available at the Citi Holdings level. See “Non-Accrual Assets - Page 1” (on page 40) for Total Citigroup balances.

(1)	Corporate loans are placed on non-accrual status based upon a review by Citigroup’s Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.

(2)	Excludes SOP 3-03 purchased distressed loans.

(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.

(4)	Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.

(5)	There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 1

(In millions of dollars)

Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. The historical disclosures reflect the impact from credit card securitizations only.

The following tables present a reconciliation of Citigroup’s managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q
	2009			2009			2009			2009			2010			2010			2010

For Page 1 - Citigroup Summary:

Total Citigroup - Managed Net Revenues	$	26,973		$	33,095		$	23,142		$	7,882		$	25,421		$	22,071		$	20,738

Impact of Credit Card Securitization Activity:
Citicorp	(1,484		)	(1,644		)	(1,800		)	(1,744		)	—			—			—
Citi Holdings	(968		)	(1,482		)	(952		)	(733		)	—			—			—
Total Impact of Credit Card Securitization Activity	(2,452		)	(3,126		)	(2,752		)	(2,477		)	—			—			—

Total Citigroup - Net Revenues	$	24,521		$	29,969		$	20,390		$	5,405		$	25,421		$	22,071		$	20,738

Total Citigroup - Managed Net Credit Losses	$	9,830		$	11,470		$	10,982		$	9,980		$	8,384		$	7,962		$	7,659

Impact of Credit Card Securitization Activity:
Citicorp	(1,491		)	(1,837		)	(1,876		)	(1,727		)	—			—			—
Citi Holdings	(1,057		)	(1,278		)	(1,137		)	(1,118		)	—			—			—
Total Impact of Credit Card Securitization Activity	(2,548		)	(3,115		)	(3,013		)	(2,845		)	—			—			—

Total Citigroup - Net Credit Losses	$	7,282		$	8,355		$	7,969		$	7,135		$	8,384		$	7,962		$	7,659

For Page 8 - Citicorp Regional Consumer Banking (page 2):
Citi-Branded Cards Key Indicators

Average Managed Loans - as disclosed	$	112.5		$	112.7		$	114.4		$	115.9		$	112.0		$	108.5		$	109.5
Impact from Credit Card Securitizations	(68.4		)	(69.6		)	(70.8		)	(69.7		)	—			—			—
Average Loans	$	44.1		$	43.1		$	43.6		$	46.2		$	112.0		$	108.5		$	109.5

EOP Managed Loans - as disclosed	$	110.9		$	114.7		$	116.8		$	117.4		$	110.2		$	109.4		$	111.1
Impact from Credit Card Securitizations	(69.2		)	(71.7		)	(71.9		)	(72.6		)	—			—			—
EOP Loans	$	41.7		$	43.0		$	44.9		$	44.8		$	110.2		$	109.4		$	111.1

Managed Average Yield - as disclosed	14.44		%	14.21		%	14.15		%	13.70		%	14.89		%	14.39		%	14.18		%
Impact from Credit Card Securitizations	1.88		%	2.11		%	2.02		%	2.03		%	—			—			—
Average Yield	16.32		%	16.32		%	16.17		%	15.73		%	14.89		%	14.39		%	14.18		%

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	12.11		%	11.80		%	11.47		%	10.98		%	12.16		%	11.86		%	11.54		%
Impact from Credit Card Securitizations	1.89		%	3.48		%	3.43		%	3.13		%	—			—			—
Net Interest Revenue as a % of Avg. Loans	14.00		%	15.28		%	14.90		%	14.11		%	12.16		%	11.86		%	11.54		%

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	8.39		%	10.02		%	10.14		%	9.26		%	9.96		%	9.68		%	8.69		%
Impact from Credit Card Securitizations	3.75		%	4.02		%	3.67		%	4.42		%	—			—			—
Net Credit Losses as a % of Avg. Loans	12.14		%	14.04		%	13.81		%	13.68		%	9.96		%	9.68		%	8.69		%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	7.07		%	4.36		%	4.24		%	4.84		%	5.49		%	5.52		%	6.35		%
Impact from Credit Card Securitizations	11.05		%	8.85		%	7.59		%	7.18		%	—			—			—
Net Credit Margin as a % of Avg. Loans	18.12		%	13.21		%	11.83		%	12.02		%	5.49		%	5.52		%	6.35		%

Managed Loans 90+ Days Past Due - as disclosed	$	3,246		$	3,522		$	3,204		$	3,298		$	3,155		$	2,929		$	2,590
Impact from Credit Card Securitizations	(2,008		)	(2,109		)	(1,940		)	(2,121		)	—			—			—
Loans 90+ Days Past Due	$	1,238		$	1,413		$	1,264		$	1,177		$	3,155		$	2,929		$	2,590

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	2.93		%	3.07		%	2.74		%	2.81		%	2.86		%	2.68		%	2.33		%
Impact from Credit Card Securitizations	0.04		%	0.22		%	0.08		%	(0.18		)%	—			—			—
Loans 90+ Days Past Due as a % of EOP Loans	2.97		%	3.29		%	2.82		%	2.63		%	2.86		%	2.68		%	2.33		%

Managed Loans 30-89 Days Past Due - as disclosed	$	3,544		$	3,244		$	3,339		$	3,231		$	3,094		$	2,727		$	2,543
Impact from Credit Card Securitizations	(2,041		)	(1,784		)	(1,958		)	(1,914		)	—			—			—
Loans 30-89 Days Past Due	$	1,503		$	1,460		$	1,381		$	1,317		$	3,094		$	2,727		$	2,543

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	3.20		%	2.83		%	2.86		%	2.75		%	2.81		%	2.49		%	2.29		%
Impact from Credit Card Securitizations	0.38		%	0.54		%	0.19		%	0.19		%	—			—			—
Loans 30-89 Days Past Due as a % of EOP Loans	3.58		%	3.37		%	3.05		%	2.94		%	2.81		%	2.49		%	2.29		%

Reclassified to conform to the current period’s presentation.

CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 2
(In millions of dollars)

Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. The historical disclosures reflect the impact from credit card securitizations only.

The following tables present a reconciliation of Citigroup’s managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q
	2009			2009			2009			2009			2010			2010			2010

For Page 11 - Citicorp Regional Consumer Banking - North America (page 2):
Citi-Branded Cards Key Indicators

Managed Average Yield - as disclosed	12.86		%	12.57		%	12.64		%	12.05		%	13.58		%	12.70		%	12.05		%
Impact from Credit Card Securitizations	(1.73		)%	(1.92		)%	(1.67		)%	(1.56		)%	—			—			—
Average Yield	11.13		%	10.65		%	10.97		%	10.49		%	13.58		%	12.70		%	12.05		%

Managed Net Interest Revenue as a % of Avg. Managed Loans - as disclosed	10.83		%	10.33		%	9.96		%	9.37		%	10.77		%	10.21		%	10.06		%
Impact from Credit Card Securitizations	(0.29		)%	3.97		%	3.60		%	2.34		%	—			—			—
Net Interest Revenue as a % of Avg. Loans	10.54		%	14.30		%	13.56		%	11.71		%	10.77		%	10.21		%	10.06		%

Managed Net Credit Losses	$	1,692		$	2,056		$	2,077		$	1,947		$	2,084		$	2,047		$	1,881
Impact from Credit Card Securitizations	(1,491		)	(1,837		)	(1,876		)	(1,727		)	—			—			—
Net Credit Losses	$	201		$	219		$	201		$	220		$	2,084		$	2,047		$	1,881

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	8.27		%	10.08		%	9.98		%	9.30		%	10.67		%	10.77		%	9.82		%
Impact from Credit Card Securitizations	(2.67		)%	(2.86		)%	(3.20		)%	(2.77		)%	—			—			—
Net Credit Losses as a % of Avg. Loans	5.60		%	7.22		%	6.78		%	6.53		%	10.67		%	10.77		%	9.82		%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	4.82		%	1.86		%	1.89		%	2.06		%	2.24		%	1.67		%	2.51		%
Impact from Credit Card Securitizations	22.84		%	17.02		%	13.96		%	10.27		%	—			—			—
Net Credit Margin as a % of Avg. Loans	27.66		%	18.88		%	15.85		%	12.33		%	2.24		%	1.67		%	2.51		%

Managed Loans 90+ Days Past Due - as disclosed	$	2,307		$	2,366		$	2,190		$	2,371		$	2,304		$	2,130		$	1,807
Impact from Credit Card Securitizations	(2,008		)	(2,109		)	(1,940		)	(2,121		)	—			—			—
Loans 90+ Days Past Due	$	299		$	257		$	250		$	250		$	2,304		$	2,130		$	1,807

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	2.82		%	2.84		%	2.59		%	2.82		%	2.97		%	2.76		%	2.36		%
Impact from Credit Card Securitizations	(0.44		)%	(0.63		)%	(0.64		)%	(0.65		)%	—			—			—
Loans 90+ Days Past Due as a % of EOP Loans	2.38		%	2.21		%	1.95		%	2.17		%	2.97		%	2.76		%	2.36		%

Managed Loans 30-89 Days Past Due - as disclosed	$	2,337		$	2,024		$	2,213		$	2,182		$	2,145		$	1,828		$	1,687
Impact from Credit Card Securitizations	(2,041		)	(1,784		)	(1,958		)	(1,914		)	—			—			—
Loans 30-89 Days Past Due	$	296		$	240		$	255		$	268		$	2,145		$	1,828		$	1,687

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	2.86		%	2.43		%	2.61		%	2.59		%	2.76		%	2.37		%	2.20		%
Impact from Credit Card Securitizations	(0.50		)%	(0.37		)%	(0.62		)%	(0.26		)%	—			—			—
Loans 30-89 Days Past Due as a % of EOP Loans	2.36		%	2.06		%	1.99		%	2.33		%	2.76		%	2.37		%	2.20		%

Reclassified to conform to the current period’s presentation.

CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 3
(In millions of dollars)

The following tables present a reconciliation of Citigroup’s managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q
	2009			2009			2009			2009			2010			2010			2010

For Page 28 - Citi Holdings - Local Consumer Lending (page 2):
North America - Retail Partner Cards Key Indicators

EOP Managed Loans - as disclosed	$	64.0		$	63.3		$	61.1		$	60.6		$	54.5		$	50.2		$	46.0
Impact from Credit Card Securitizations	(39.1		)	(39.3		)	(37.9		)	(40.4		)	—			—			—
EOP Loans	$	24.9		$	24.0		$	23.2		$	20.2		$	54.5		$	50.2		$	46.0

Managed Average Yield - as disclosed	16.85		%	17.81		%	17.80		%	17.87		%	18.27		%	18.31		%	18.53		%
Impact from Credit Card Securitizations	0.17		%	2.23		%	3.46		%	1.95		%	—			—			—
Average Yield	17.02		%	20.04		%	21.26		%	19.82		%	18.27		%	18.31		%	18.53		%

Managed Net Interest Revenue - as disclosed	$	2,277		$	2,271		$	2,337		$	2,234		$	2,044		$	1,989		$	1,878
Impact from Credit Card Securitizations	(1,393		)	(1,455		)	(1,431		)	(1,420		)	—			—			—
Net Interest Revenue	$	884		$	816		$	906		$	814		$	2,044		$	1,989		$	1,878

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	13.93		%	14.34		%	14.88		%	14.58		%	14.52		%	15.02		%	15.27		%
Impact from Credit Card Securitizations	(2.02		)%	(1.20		)%	(0.45		)%	(1.40		)%	—			—			—
Net Interest Revenue as a % of Avg. Loans	11.91		%	13.14		%	14.43		%	13.18		%	14.52		%	15.02		%	15.27		%

Managed Net Credit Losses — as disclosed	$	1,958		$	2,150		$	2,004		$	1,963		$	1,932		$	1,775		$	1,505
Impact from Credit Card Securitizations	(1,057		)	(1,278		)	(1,137		)	(1,118		)	—			—			—
Net Credit Losses	$	901		$	872		$	867		$	845		$	1,932		$	1,775		$	1,505

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	11.98		%	13.58		%	12.76		%	12.81		%	13.72		%	13.41		%	12.24		%
Impact from Credit Card Securitizations	0.16		%	0.46		%	1.05		%	0.87		%	—			—			—
Net Credit Losses as a % of Avg. Loans	12.14		%	14.04		%	13.81		%	13.68		%	13.72		%	13.41		%	12.24		%

Managed Net Credit Margin - as disclosed	$	507		$	90		$	362		$	427		$	254		$	318		$	536
Impact from Credit Card Securitizations	90			(210		)	186			386			—			—			—
Net Credit Margin	$	597		$	(120	)	$	548		$	813		$	254		$	318		$	536

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	3.10		%	0.57		%	2.31		%	2.79		%	1.80		%	2.40		%	4.36		%
Impact from Credit Card Securitizations	4.95		%	(2.43		)%	6.42		%	10.37		%	—			—			—
Net Credit Margin as a % of Avg. Loans	8.05		%	(1.86		)%	8.73		%	13.16		%	1.80		%	2.40		%	4.36		%

Managed Loans 90+ Days Past Due - as disclosed	$	2,791		$	2,590		$	2,587		$	2,681		$	2,385		$	2,004		$	1,749
Impact from Credit Card Securitizations	(1,664		)	(1,515		)	(1,536		)	(1,670		)	—			—			—
Loans 90+ Days Past Due	$	1,127		$	1,075		$	1,051		$	1,011		$	2,385		$	2,004		$	1,749

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	4.36		%	4.09		%	4.23		%	4.42		%	4.38		%	3.99		%	3.80		%
Impact from Credit Card Securitizations	0.17		%	0.38		%	0.31		%	0.58		%	—			—			—
Loans 90+ Days Past Due as a % of EOP Loans	4.53		%	4.47		%	4.54		%	5.00		%	4.38		%	3.99		%	3.80		%

Managed Loans 30-89 Days Past Due - as disclosed	$	2,826		$	2,749		$	2,911		$	2,674		$	2,374		$	2,150		$	1,972
Impact from Credit Card Securitizations	(1,625		)	(1,623		)	(1,732		)	(1,642		)	—			—			—
Loans 30-89 Days Past Due	$	1,201		$	1,126		$	1,179		$	1,032		$	2,374		$	2,150		$	1,972

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	4.42		%	4.34		%	4.76		%	4.41		%	4.36		%	4.28		%	4.29		%
Impact from Credit Card Securitizations	0.41		%	0.35		%	0.33		%	0.69		%	—			—			—
Loans 30-89 Days Past Due as a % of EOP Loans	4.83		%	4.69		%	5.09		%	5.10		%	4.36		%	4.28		%	4.29		%

CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 4
(In millions of dollars)

Tangible common equity (TCE), as defined by Citigroup, represents Common equity less Goodwill and Intangible assets (excluding MSRs) net of the related deferred taxes. TCE and the TCE Ratio are non-GAAP financial measures. Other companies may calculate TCE in a manner different from Citigroup. A reconciliation of Citigroup’s total stockholders’ equity to TCE follows:

	1Q			2Q			3Q			4Q		1Q		2Q		3Q
	2009			2009			2009			2009		2010		2010		2010

Tangible Book Value Per Share (page 1):
Total Common Equity	$	69,688		$	78,001		$	140,530		$	152,388	$	151,109	$	154,494	$	162,601
Less:
Goodwill - as reported	26,410			25,578			25,423			25,392		25,662		25,201		25,797
Intangible Assets (Other than MSRs) - as reported	13,612			10,098			8,957			8,714		8,277		7,868		7,705
Goodwill and Intangible Assets - recorded as Assets of Discontinued Operations Held For Sale	—			3,618			3,856			—		—		—		—
Goodwill and Intangible Assets - recorded as Assets Held for Sale	—			—			1,377			—		45		66		—

Net Deferred Taxes - Related to Goodwill and Intangible Assets	(1,254		)	(1,296		)	(1,381		)	68		65		62		59
Tangible Common Equity	$	30,920		$	40,003		$	102,298		$	118,214	$	117,060	$	121,297	$	129,040
Common Shares Outstanding, at period end	5,512.8			5,507.7			22,863.9			28,483.3		28,620.2		28,975.4		29,049.6
Tangible Book Value Per Share	$	5.61		$	7.26		$	4.47		$	4.15	$	4.09	$	4.19	$	4.44

Reclassified to conform to the current period’s presentation.

Citigroup (C) 8-KCitigroup Reports Third Quarter 2010 Net Income of $2.2 Billion; $0.07 Per Share